23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I had a cashapp account, used mainly for social media. After falling victim to fraud in XX/XX/2021, cashapp closed my account for violating their terms of service, but did not say what the violation was. I appealed their decision but was told the same thing with no details or explanation. Meanwhile Ive had XXXX trapped in their app. I can see it is there but there is no way to access it. Cashapp says I can sell my XXXX only. I dont want to sell it, I want to transfer it to my own wallet. But the app doesnt allow me to sell it either. Ive reached out to support countless times only to receive the same response again and again. They are holding my XXXX hostage! Zero transparency and zero support.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Charge Off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the  Fair Credit Reporting Act. '' '' ''
Product: Credit reporting or other personal consumer reports

I noticed a vehicle from ally financial that I do not own and says that I owe XXXX. I am a victim of identity theft and I also noticed other credit cards and loans that are on my credit report that I'm not responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have been trying to dispute incorrect reporting on my credit report for over two years. I have contacted XXXX via certified mail on XX/XX/XXXX and all three of the credit bureaus on XX/XX/XXXX. I reached out to Experian to exercise my right to a reasonable investigation of my dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. I reached out to Experian, XXXX and XXXX over three time the last time via certified mail dated XX/XX/XXXX. I enclosed in the letter a copy of my credit report and the variance in the reporting across all three credit bureaus chase XXXX is reporting to. I asked Experian, XXXX and XXXX to verify with XXXX the accuracy of their reporting and to asked them to validate that I am indeed responsible for XXXX Account # XXXX through a signed contract and with proof of a wet signature or signed written agreement. The credit bureau failed me and did not conduct a proper investigation. XXXX responded to my dispute with a copy of statement but no a copy of an agreement of a settlement or a signed agreement with my signature of the credit card account. This information did not validate anything! I have experience damage from the inaccurate reporting since XXXX. I have been denied credit amongst the biggest denial was for a student loan. I received a response from XXXX, Experian and XXXX stating that they account was validated. A proper investigation was not performed according to the Fair Credit Reporting Act. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( XXXX  ) Banking agencies ( I ) In general If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( XXXX  ) from the appropriate Federal banking agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

15 USC 1681 states that I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 states a creditor may not treat a payment on a credit card account on an open consumer credit plan as late for any purpose.

For this account, upon creation Automatic Payments were immediately established and set to pay off the entire statement balance at the end of each month. Essentially, late payments were intentionally rendered impossible by me on this account.

I was never later on the paid off account listed above. Please provide documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit reports. 

This is an invalid late payment. 

The FCRA allows 30 days for this to be rectified.
Product: Debt collection

I paid the account and was told it is settled in full and would be removed off my credit and it is still saying I owe them money.
Product: Vehicle loan or lease

I purchased a XXXX  XXXX XXXX from XXXX XXXX XXXX in XXXX, PA on XX/XX/XXXX, with {$4100.00} in cash and financing the rest of the amount at a rate or 4.9 %. The contract stated that our first installment would be due on XX/XX/XXXX. 

After weeks of no communication, I reached out on XX/XX/XXXX to Honda Finance to inquire why I had not received any welcome mailer or account information. Honda Finance told me that they never received any paperwork for the car and no loan exited. 

I then called the dealership, XXXX, on the same day to no avail. After calling for another week, a finance rep at the dealership, XXXX XXXX, finally responded on XX/XX/XXXX and told me that the finance rep who had initially handled our account had filled out an expired form -- and apparently never attempted to correct it, send it in or contact us about the issue. XXXX said he would express mail a new contract for us to sign, on the correct paperwork. 

We received the new contract on XX/XX/XXXX and after talking to XXXX about some discrepancies, we signed and returned the contract on XX/XX/XXXX. XXXX tracking indicates that XXXX received the contract on XX/XX/XXXX. I emailed XXXX that day to let him know that the contract had been delivered and received no reply. 

On XX/XX/XXXX, I emailed XXXX again to inform him that 1 ) Honda Finance still did not have an account registered to us and 2 ) the titling company the dealership was using for our registration and tags had informed me that XXXX never sent them payment or paperwork. The dealer plates would expire on XX/XX/XXXX and I asked XXXX to send us new plates and confirm that XXXX had mailed the signed contract to Honda Finance. 

It is now XX/XX/XXXX and I have not heard back from XXXX. Honda Finance indicates that there is no account associated to either the VIN or my or my husband 's SSNs. Our payment, per our contract, is due today supposedly but we are literally unable to pay it because there is no account. 

As I have told XXXX, it is frankly ridiculous that I am the one trying to figure out how pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

BANKAMERICA XXXX Date Opened : XX/XX/2006 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/2021 XXXX
Product: Debt collection

They constantly call and when I answer the phone theyll hang up. Im sick of the harassment and if they call me Id like for them to actually say something instead of calling up to 5 times a day. I have blocked the numbers they call on then theyll use a new number. 

The company is XXXX. I *think* the debt is with Wells Fargo who opened accounts for me without my permission resulting in hundreds of dollars worth of fees Im never going to pay.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act convergent account number : XXXXXXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX account number : XXXX has violated my rights. 15 u.s.c. 1681 section 602 ( a ) states that I have the right to privacy. And 15 u.s.c 1681 section 604 ( a ) section 2 further states a consumer reporting agency can not furnish an account without my written instructions. this is a violation and improper use of my credit report ( s ).
Product: Money transfer, virtual currency, or money service

On XXXX, I received an email alledgedly from XXXX stating that a fradulent charge of {$2200.00} had been charged to my XXXX account and that if I wanted to dispute this charge, I should call the phone number listed in the email. Already under great financial stress, I took the phisher 's bait as I could not afford to lose any more money than I already had. The scammer explained that if I opened my online bank account, I could see that this money had been withdrawn from my account. I did so and did see that the money was being withdrawn. The scammer explained that he would place the money back in my account but that I had to enter the numbers " {$2200.00} '' for this to occur. I did so. Imagine my surprise when my monitor screen showed that I had moved " {$22000.00} '' back into my account, rather than " {$2200.00} ''. 
At this point the scammer claimed that MY mistake ( which he had orchestrated from his computer ) would cost him his job at XXXX UNLESS I went in person to my bank ( Wells Fargo ) and wired the money directly into his account. Because I did not want him to lose his job and because I am an honest person and realized this money did not belong to me, I did go to my bank and make the transfer as instructed by him. 
Imagine my horror when I realized the next day that I was the victim of his manipulation, when he had convinced me that he was the victim here because of my mistake. 
I have no satisfaction either from Wells Fargo, my bank, or from the receiving bank, XXXX XXXX XXXX. You will find attached the original the scammer sent me, the wire transfer information the scammer gave me to complete the wire transfer, and a telephone chart of his phone calls to me. I have filed a report both with the FBI and with the FTC. I have contacted the local police and the local sheriff.
Product: Checking or savings account

I was XXXX  on my elderly mothers bank account with Wells Fargo . When she passed, XXXX, XXXX XXXX XXXX Manager said they were unable to locate the forms needed for POD. My mother 's account was frozen for 30 days. I was lied to. They had the forms all along.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed this fraud case twice with Experian and it did not remove the fraudulent credit card bill that was not mines. XXXX XXXX removed it and so did XXXX. 
Account info Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Authorized user Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$62000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$620.00} Credit limit {$65000.00} Highest balance {$64000.00} Terms XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : DPT EDXXXX XX/XX/XXXX XX/XX/XXXX {$6000.00} XXXX -- / -- XXXX Late Dates : XXXX, XXXX {$7200.00} XXXX {$72.00} XXXX XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX {$23000.00} {$6200.00} {$4200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX/XXXX  XXXX -- XXXX XXXX -- XXXX {$100.00} XXXX XXXX -- XXXX XXXX  {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Template On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Debt collection

After receiving a letter from IC System on  XXXX   XXXX ,  2017  of the alleged amount of {$51.0 0} ( see attachment # 1 ). I se nt out a dispute letter asking them to verify debt owings on  XXXX   XXXX ,  2017  ( see attachme nt # 2 ). I have y et to hear back from this company nor do i believe that they posses my original instrument of indebtedness in its original form.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the cancellation of a dispute I recently filed regarding a credit inquiry associated with your institution. Upon further review, I realized that disputing this inquiry was an honest mistake, as it is directly tied to my existing auto loan with XXXX XXXX 

I value the financial relationship I have with XXXX XXXX, and I understand that disputing this inquiry may inadvertently create unnecessary complications with my auto loan. This was never my intention, and I sincerely apologize for any confusion caused by this error.
Product: Payday loan, title loan, personal loan, or advance loan

I subscribed to the service. I paid for the first month and didnt like the service and emailed customer support to cancel. They responded back and asked why did I want to cancel and offered me a 70 % monthly discount code. I declined and they are still trying to charge my card. My card has tried to be charged over 40 times in the last 2 months and I would like to make a complaint and pursue any type of legal action because it should never be this hard to cancel a simple subscription when you are dissatisfied with the services.
Product: Mortgage

I applied to the CalFHA program on XX/XX/XXXX. 
And, on XX/XX/XXXX, I received loan numbers XXXX and XXXX from Alterra Home loans by application from ( Alterra Home Loans XXXX # XXXX | XXXX XXXX XXXX # XXXX ) It was informed that all the documents related to the loan had been completed and that the application would check if there were any documents required by the loan company. However, after 2 months, there was no contact, so I contacted the person in charge. However, he could not be contacted. 
The person in charge was contacted through numerous phone calls, voice messages, and emails. But he has no answer. I feel really bad. 
Below is the text of the last e-mail I sent to him. 


XXXX XXXX, XXXX XXXX XXXX. I'm in a pretty bad mood right now. I don't know how busy you are, However, this is not the right way to treat customers.. 

I duly applied for the program. 

Since the loan number was generated last month, if you need anything, you will let me know and it will appear in the application. 

So, after waiting for over a month, I contacted you because I was curious about what was going on. However, contacting you is as difficult as contacting XXXX or the President. I want to ask why I decided to talk with my son because I am not good at XXXX, but You did not answer the phone even when I called. In the meantime, I left numerous text messages, e-mails, and phone messages. however. you didn't contact me Why? Are you ignoring me because I can't speak XXXX? is it XXXX? Please clearly state your intentions. 

And, I need to explain why I have to make phone calls and why they don't call me. 

Please let me know by email how things are going.
Product: Credit reporting or other personal consumer reports

this credit card account is my ex girlfriends and she listed me on the card as a signer i never got a card and i have never used this card she has tried to get them to removed me from the card she has verified that it wasn't my card and i never used any of the balance on the card and they still refuse to removed me she has verify to navy federal that this debt isnt mine and has yet to get resolved to it
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

They accused me for sharing my login information which I had told them that I was the one who logged in on my phone for my dad to deposit the check in the amount of {$1800.00}
Product: Debt collection

XXXX XXXX XXXX claim I owe an old auto debt for which I called for a voluntary repossession to its original creditor who goes by the name of capital one auto. At that time I lost my job and couldnt pay for the car. Unbeknownst to XXXX  XXXX XXXX, capital one auto has already made their money back through an auction. I know this to be true because capital one auto sent me the bill of sale. So if they got their money back, why would capital one auto get a third party to pay them extra money that they already received from the auction? According to my attorney, since the repossession happened roughy 15 years ago, under the statutes of limitations, XXXX XXXX XXXX are not legally able to sue me after 4 years after the repossession happened. Besides, even if they could sue me, I dont make enough money to pay them because I only make {$600.00} a month through my pension and Im struggling as it is to take care of my elderly mother.
Product: Consumer Loan

I have a car loan with West Financial and I have been asking that money paid over the loan amount be paid on the principle. For months they have been telling me ok, but I noticed the next month 's payment was lower. I did not take the bait but the online service would say I owed the full XXXX payment but the statement says I owe XXXX ( i.e. ). However I was told a couple of days ago that they do not apply extra payment amounts to the principle. Is this legal. I live in XXXX and the finance company is in XXXX- WestlakeFinancial. 
The interest rate is almost 25 %.
Product: Vehicle loan or lease

As of today XX/XX/XXXX, XXXX the current balance in my account is XXXX but Flagship credit Acceptance have not reported any payment to the credit bureau XXXX The credit report shows my balance to be {$13000.00} and this is inaccurate. 
I filed a dispute with XXXX and flagship claimed to XXXX that what they have reported so far was accurate but to me they said they will get it fix but they have not. 
My credit score is being affected by Flagship negligence.
Product: Debt collection

I am filing this complaint because Sterling Jewelers/ Kay XXXX is excessive in their attempts to collect on my account. They call me in excess of 20 plus times a day and leave several messages about the account. They sometimes call several times within the same minute from various numbers. I am not able to talk on the phone at work and I have come back to XXXX missed calls within a 4 hour period.