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

I purchased a car from Santander, I had to move because of job related issues I could no longer afford the payments so I did a voluntary repossession. The company sold the car and then still tried to collect the full amount of the car from me. After I was told that all I would owe was any balance if any that was left after the car was sold. They are still trying to collect  over 15,000.00 from me  and the car was n't even that much to begin with.   this is the second complaint, they responded stating that they could n't find any information. I am providing the la st four number s of my ssn #  XXXX , I do n't have any vehicle information anymore because this has been almost 7 years ago.
Product: Credit card or prepaid card

I am being charged in full for a purchase I have not received - it is a carpet from Home Depot that I was charged on the Home Depot credit card on XX/XX/XXXX and they have sent me a bill and I have not received the carpet as of XX/XX/XXXX and it's likely not going to be installed until later since they still have to come measure before they install and they just scheduled that for XX/XX/XXXX. They charged my Home Depot card the full amount of a quoted service but as of yet I have not received anything. They also offer a promotional 0 % interest for 6 months which will now expire approximately 5 months after I get the carpet ( if the carpet comes in soon ).
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  Account : # XXXX, has violated my rights. 

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

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: 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 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX BUREAU the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}
Product: Credit card

XX/XX/year> I am filing a complaint against Capital One regarding their mishandling of fraudulent transactions on my account. On XX/XX/year>, late at night, I was the victim of a crime where I was drugged and robbed. I promptly reported the incident to Capital One on XX/XX/year>, informing them of multiple fraudulent charges totaling over {$7000.00}. 

Initially, Capital One refunded these charges. However, they have since recharged my account for the full amount without proper investigation or explanation. This recharging of fraudulent transactions is unacceptable and has caused significant financial hardship. 

Since reporting the fraud, I have made multiple calls to various Capital One representatives and their fraud departments. Despite my persistent efforts, I am still not receiving any resolution to this matter. The lack of action and communication from Capital One is extremely frustrating and concerning. 

I provided all necessary information about the criminal incident to Capital One, including details about the fraud and my prompt reporting of it. Their failure to properly investigate and protect me as a victim of fraud, especially given the traumatic nature of the incident, is unacceptable. 

I am requesting that Capital One : 1. Immediately refund the $ XXXX in fraudulent charges 2. Conduct a thorough investigation into these transactions 3. Provide a detailed explanation of their fraud protection policies and why this situation has not been resolved despite multiple communications 4. Compensate me for the stress and financial difficulties caused by their mishandling of this situation Capital One 's actions have severely damaged my trust in their fraud protection services. I expect a prompt resolution to this matter, given that nearly a month has passed since I first reported the incident. 

- Complaint Type : Billing Issues - Status : Unresolved
Product: Student loan

FedLoans has been giving me the brush off for 3 years now. I have submitted 3 XXXX employment verification forms and have received 3 letters from them telling me they are in the process of transferring my loans to FedLoans and once they are transferred, they will calculate my eligibility for XXXX and the number of qualifying payments I have made. Problem is that my loans never transfer and they and the Department of Education just send me in never ending circles telling me it's in process. I've filed complaints with DOE and they contact FedLoans, and FedLoans tells them the transfer is in process, and then DOE close the complaint without verify that the loans transferred. After 3 years I deserve to have my progress documented, so many are getting screwed out of their forgiveness because of their shady actions. I should have about 3 years of qualifying payments, and I have no documentation or confirmation from DOE. The DOE website shows that I have 0 months of qualifying payments because Fedloans will not transfer and calculate it. FedLoans constantly lies to me about the status and about being in process. I've sent multiple email correspondence and they dont respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the XXXX bureaus : Experian, XXXX, and XXXX and disputed personal info that was incorrect and XXXX collections : XXXX XXXX XXXX, and XXXX  XXXX. Pursuant 15 usc 1681 section 602 A. states that I have the right to privacy and 15 USC section 604 section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 15 usc 1666b states that whats reported must be assured maximum accuracy and XXXX acct XXXX XXXX XXXX have a late payment. 15 usc 1666b states that a creditor may not treat a payment as late for any purpose
Product: Credit card or prepaid card

To whom it may concern, I open XXXX XXXX ( XXXX  ) card from Wells Fargo because I had a leaking that destroyed my floors during other remodeling. I was told that the card was interest free for 24 months. After I was issue the card 24 months changed to be 12 months. I wasn't able to refinance on time but was making maximum payments and from over {$5000.00} the balance went down to {$2700.00} and I was able to refinance, when I called to pay the remaining balance I was told that my interest just kicked in and from XXXX the balance when back up to {$4800.00}. Wellsfargo refused any negotiation to bring the balance down. 
I paid the balance down again to XXXX. and when loan closed and tittle company sent the payment Wellsfargo stated that now my balance was back up to {$4100.00} due to interest charged. Wellsfargo stated that I still owe {$130.00} after long conversation Wellsfargo agreed to bring the bill  XXXX and close the count ( that happened in XX/XX/18 ). I was out of the country when I came back I had another bill waiting for me from XXXX for {$64.00}. I called again around the end of XX/XX/XXXX-XX/XX/XXXX and requested that wellsfargo follow are agreement bring the count XXXX  and close it. after 1hr conversation between different people and finally a supervisor they agreed to close the count at XXXX. XX/XX/XXXX I received another bill from Wellsfargo for {$100.00} to be paid. I called and asked why this count still generated fees has from my last conversation we agreed that the count was XXXX and closed. The customer service I was speaking to stated that they just credit the late fees and the balance of {$64.00} unpaid generated another fee which is why it's XXXX But the count is close. So I said " Can I please speak to a supervisor, because I will not close the count if there was any balance that don't make sense to me. What I remember is that after we brought the count XXXX  he was supposed to be closed ''. Customer service said Ok, went and come back telling me that actually my last conversation was XX/XX/XXXX and I was still owe this balance. I told her that she just told me 5 minute ago something different that was in her computer and that she stated that the count was been closed. I was upset and asked her how she can lied like this in my face. When supervisor come I can her sarcasm in his voice. He was noshes insisting on the last statement of the customer services. I was very upset because this card was a reap-oof for me and they still trying to squeeze out me anything they can. 
I was paying the bill from my Wellsfargo online billing. their system always was confused using my joint count that doesn't have any payment set. charges my individual and joint alternatively, and always charging me late fees when I wasn't late. All wanted is to paid this balance and I did, but they won't let me be debt free from them.
Product: Credit card or prepaid card

Initially I called in and requested my son to be an authorized user on the account and the representative added him to the account he went into the store and the card declined even though I have a $ no balance and a {$700.00} credit limit I then proceeded to call again and a representative and their fraud department said that the card was ready for use a third time since the card was n't ready for use again the second time I called. Now they are requesting Social Security card driver 's license income and basically I do n't have an issue with that but my issue is the discrimination against my personal XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App Block INC. Due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection ACT. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there platform leaving my account vulnerable and unprotected. Furthermore there dispute resolution was unfair and deceptive. They did not comply with error resolution requirements under the Electronic Fund Transfer Act and regulation E. These actions have caused significant inconvenience and financial loss, hardship and I am seeking appropriate action for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 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 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 by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX CAF XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Fair Credit Reporting Act , FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with a
n original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit card or prepaid card

I was a victim of identity theft. During the course of this fraud, several bank accounts and credit card accounts were compromised. 

On XX/XX/2020, I received a fraud alert that someone was attempting to use an account number under my name with Citicards to make a foreign cash withdrawal in XXXX. I immediately ( within seconds of the fraud alert ) called Citicards and informed them of the fraud, and instructed them to reverse the charge. They assured me it would be reversed, and that a new card would be issued. 

On XX/XX/2020 I received the new card account and saw that a charge for {$500.00} was authorized and an associated {$25.00} fee was added to my account. A statement was issued and a demand for {$520.00} was made from Citicards to me. I once again contacted customer service, and was told within 3 business days this would be reversed : XXXX : Citi has gone ahead and taken care this for you!! 
XXXX : Be rest assured Citi is there for you and wont be satisfied until you are You : When will I see the {$500.00} charge removed and the {$25.00} transaction fee removed? 
XXXX : you can see once you receive the new card and there will be no transaction posted on the account!! you can surely save this chat as a proof and the account will be good to go. 

On XX/XX/2020, I checked the account and it was still showing a {$520.00} amount due. I contacted Citicards customer service and was told I needed to contact the fraud department. 

Both a fraud department representative from Citicards and a supervisor in the department told me that I would be required to pay the full amount and all associated fees. 

I believe this is potentially a violation of not only Citicards own terms and services, but of state and federal law. 

I asked them to issue a provisional credit immediately ( {$520.00} XXXX for the fraudulent charge, pending final review, and they said that it would not be possible and I needed to pay the full amount or have it go on my credit report as a late fee.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Formal Complaint Against XXXX and Experian Regarding Inaccurate Late Payment Reporting for XXXX  Account Dear CFPB, I am writing to formally file a complaint against XXXX and Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX  account ( Account Number : XXXX ). Despite multiple attempts to resolve this issue, including disputes filed on XX/XX/2024, XX/XX/2024, and XX/XX/2024, the inaccurate information remains uncorrected. 
Key Account Details : Account Number : XXXX High Balance : {$420.00} Balance Owed : {$350.00} Credit Limit : {$3500.00} Late Payment Reported : 30-day late payment for XX/XX/2024 ( XXXX and Experian ). 
Account Status : Open and Current. 
Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The incorrect 30-day late payment reported for XX/XX/2024 demonstrates a failure to uphold this requirement. 
As per 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. 
Truth in Lending Act ( TILA ) : Per 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The late payment reporting indicates a failure to comply with this requirement. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : Creditors are mandated to provide timely statements to prevent unfair penalties. The inaccuracies in reporting late payments breach this obligation. 
Evidence of Discrepancies : The reported late payment for XX/XX/2024 is inconsistent with my payment history, as I have always made payments on time. 
XXXX and Experian report a 30-day late payment for XX/XX/2024, while XXXX has no reported history of late payments for this account. 
Monthly payments and account status indicate compliance with payment terms, further invalidating the reported delinquency. 
Requested Resolution : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/2024 from my credit report with XXXX and Experian. 
Written confirmation of the correction. 
An assurance that reasonable procedures will be followed to ensure future accuracy. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints to the relevant regulatory bodies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX this is online school. i did not provide my social security number to this school when i registered online.. i do n't know why they have my all information. this school send me to the third company XXXX XXXX XXXX XXXX XXXX. i have already talk to them i need close my account. and it show me on the credit report .They keep billing me all the time. I stopped paying them my hard working money, and wasting my time since i went to university.
Product: Mortgage

I received a loan modification 3 years ago and have made my payments on-time for the past 3 years. During that time my lender PHH has not given me credit for making those payments. As a result their " system '' shows that I have not paid my escrow for taxes. I have paid my escrow and I have informed them of such thru numerous email, letters and telephone calls over the past 5 months. Regardless of my efforts they continue to double the amount of escrow they collect. this is causing me a hardship and they are " stealing '' the extra escrow monies.
Product: Money transfer, virtual currency, or money service

I went to deposit my check on XX/XX/24. It was a settlement check. They told me I could call to remove the hold. I called Chase bank customer service, they accused me of fraud and said my name was not on the check. They also told me they couldnt contact XXXX XXXX XXXXXXXX, but then told me that XXXX XXXX XXXX told them the check would bounce. After speaking with my lawyers, I gave them the opposing counsels phone number, one of the people whose name was on the paper. They didnt call him, I then gave them the ceo of the company that I got the settlement from, and they told me that wouldnt work either. And now after the day the funds were to be made available, they are still not available and Chase bank is threatening to close my account and mail me my check back after a month. I am not able to contact anyone who will listen to me. This is fraud, and a scam.
Product: Debt collection

They have called me on several occasions, daily, multiple times a day, sometimes up to 5 times. I have told them several times to stop calling my phone, and they just try getting information from me, and won't stop calling. They are calling when I'm at work, or when I'm with my children trying to get things done all the time.