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

On XX/XX/XXXX, I financed a XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. On or about XX/XX/XXXX, my vehicle was involved in a car accident. I made all payments on time, as agreed prior to my car being involved in the car accident. I reached out to XXXX XXXX XXXX  and spoke to XXXX XXXX, a representative at XXXX XXXX XXXX. I advised XXXX that my car was in an accident and informed her that I was out of work due to this incident and will resume payments once the car was out of the shop, which was about 3 weeks from the incident. XXXX advised me to just let her know once the car was out of the shop. After 3 weeks, I received a call from the autobody shop that my car was ready to be picked up. 72 hours later, I arrived at the autobody shop to retrieve my vehicle and was told by a representative that my car had been repossessed. I called XXXX XXXX XXXX to inquire about why my car was stolen from the autobody shop and a representative stated that my car was repossessed due to my payments falling behind by 28 days. The representative informed me that I owed approximately {$520.00}, I then informed the rep that I would be making a payment for the past due amount the following week. I also asked the rep if it was possible to pay the past due amount and retrieve my vehicle. The rep informed me that she had to get approval from underwriting before they would relinquish my property. She advised me to make my payment on the following Wednesday, so she can get approval. She called me on that Wednesday, in which we both agreed to be in contact, and stated that underwriting denied my request to pay the past due balance and return my vehicle. She stated the full balance of the car would need to be paid, in order for me to get my car. I didn't have the full balance and XXXX XXXX XXXX was unwilling to work with me. 

Not only that, under Pennsylvania law, lenders must personally deliver a written notice or send one by certified mail that a vehicle has been repossessed by a lender. XXXX XXXX XXXX failed to provide me with the legally required notices after my vehicle was repossessed. Also, XXXX XXXX XXXX falsely reported a VOLUNTARY REPOSSESSION on my credit report, which is inaccurate because they involuntarily repossessed my vehicle. XXXX XXXX XXXX also failed to provide me with any notice prior to or after the sale of my vehicle. I also was not given an opportunity to retrieve my personal belongings from the vehicle after it was INVOLUNTARILY REPOSSESSED. I also did not receive any notice of surplus or deficiency. XXXX XXXX XXXX is also reporting a past due balance of {$14000.00} which is inaccurate. My auto contract was initiated with a balance of {$14000.00} and I was paying {$100.00} weekly. XXXX XXXX XXXX has violated me as a consumer and did not properly conduct a legal repossession. I am requesting this inaccurate account be removed from my credit file and will be seeking a consumer attorney to assist me with damages.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 This is a request for a re-investigation of the accounts listed below. These accounts were claimed to have been accurate or verified by you just putting them on my credit report without my consent and without your knowledge of them being 100 % correct. 
These accounts are still inaccurate/Unverifiable/invalidated and need to be corrected or deleted immediately : Also make sure these items are Compliance. 
Please re-investigate this account is inaccurate and Unverifiable. 
Please delete accounts at once. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these from my report Misleading and false information I have made several attempts to get u to validate this method u are in violation of my rights with FCRA According to Section 611 ( a ) ( 6 ) ( B ) Please be advised that under Section 611 ( 5 ) ( A ) u are require to delete everything that can not be be verified promptly. 

Also please send me my full credit report along with the following items : your investigation results contact information for each creditor and any relevant information from the previous investigation. 
The documentation used to verify the dispute for completeness, accuracy, and appropriateness Thank you for your help regarding these issues
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 via XXXX Credit Card application decision ( denied based on 2 credit reporting agencies : XXXX, XXXX XXXX ). I was able to retrieve my XXXX credit report online without any problems. Since I have never heard of XXXX I faxed info for my credit report to them and have called them numerous times since XX/XX/2019 to see if they received the fax, yet no one answers at any time of the day nor have any of my msgs been returned. XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, CA. XXXX, Fax # XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX, with a physical address online as XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX ). Also when I went online I found numerous people complaining about how they were scammed by this company. I have called them numerous times on XX/XX/2019 as well as on XX/XX/2019 without being able to reach anyone.
Product: Checking or savings account

Wells Fargo has been my bank for 29 years. I was attacked by a pit bull and have a go fund me account that deposits directly into my account. They have {$800.00} they are holding, with no reason. The fraud department does n't know, the banking XXXX does n't know. They are holding money that will help me pay for my bills since I ca n't work. How do I get my {$800.00} back. Since I have to lay at home I have had hours of conversations with numerous " specialists '' and they still do n't have an answer. What do I do?
Product: Checking or savings account

N26 via XXXX XXXX  in their Account Agreement and Disclosures Effective XX/XX/XXXX on Page 11 of 18 states that Over the Counter Withdrawals are permitted with a max of {$5000.00} per day. However when I tried to do this, the transaction is declined and support is unable to help. I reported this issue back in XX/XX/XXXX but they still have no resolved it. I have contacted them via email multiple time about updates on this issue.
Product: Debt collection

My credit report shows a collection from Ability Recovery Services that I do not owe. I have made repeated attempts to clear this up and the company refuses to stop reporting on my credit report. The continuously update the account in a shady attempt to lower my credit score.
Product: Vehicle loan or lease

I bought the car in XX/XX/XXXX, a XXXX XXXX XXXX. My payments were due on the XXXX of every month since purchase. All went well until XX/XX/XXXX. My auto payment was not made on XXXX. I was not made aware of this until XX/XX/XXXX. I was not aware of the auto payments not being made. I spoke with a man named XXXX a supervisor, on XX/XX/XXXX, and he made a new contract with me. He said he would put XX/XX/XXXX, and XX/XX/XXXX payments on the end of the note if I would make a payment that day. If i got the payment in before XXXX, and gave him the tracking information from XXXX XXXX, he would do his part with the 2 payments. I did this and left the requested info on his voice mail before XXXX. I thought all was good. I made another payment in XXXX on the XXXX. I spoke with another supervisor named XXXX on the XXXX. She told me she spoke with XXXX, and she would do his job for him only 14 days late. She did this only my XX/XX/XXXX payment was applied to the XXXX payment because it was the oldest payment on my account because XXXX did not do his part by moving it to the end of the note. So my XX/XX/XXXX payment was not moved also, when I made the next payment on XX/XX/XXXX, XXXX was reported 60 days late, and XXXX was reported 30 days late. If XXXX moved them on XX/XX/XXXX as agreed, no payments would be late, yet I am now reported as 60 days late in XXXX, XXXX and 30 days late in XXXX, XXXX. Not true because XXXX breached our amended contract and I performed as agreed. 
Now lets come to the next issue with FMC and payment reporting. 
XX/XX/XXXX, I made a payment to Ford around the XXXX of XXXX, XXXX. It was paid by my bank on the XXXX of XXXX. I sent in the bank statement proving this. Ford has lost this payment. Now into XXXX, XXXX. I made a payment to not go 30 days late on XX/XX/XXXX. XXXX cutoff time for crediting same-day payments is XXXX XXXX. I made the payment through western union at XXXX XXXX on Friday the XXXX. That is the XXXX day since the previous due date. But that day is not over as far as calendar days until midnight. I told ford I was not 30 days late, I was actually 29 days and 19 hours past due. They could not report me 30 or more days late. The courts have ruled those days are calendar days not business hours days. FMC is harming me once again. They lie, break agreements and do not follow the law. Their policies do not rewrite laws. I did not go 30 days passed due, that is a fact in the record. 29 days 19 hours is NOT 30 days, simple.
Product: Credit reporting or other personal consumer reports

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from Experian, XXXX and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XXXX XXXX XXXX  was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX ( Original Creditor : 11 XXXX ) XXXX Balance : {$950.00} XXXX  XXXX XXXX Original Creditor : 10 XXXX XXXX XXXXBalance : {$600.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXBalance : {$11000.00} XXXX XXXXXXXX Balance : {$150.00}
Product: Credit reporting or other personal consumer reports

I dispute the following hard inquiries on my credit report : 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  Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 16811 ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.
Product: Mortgage

The loan is for 8.75 % and I was paying it on time for a number of years until the economy took a dive. I asked several times to be refinanced and they said no. I have asked many times for some help with HARP and they said no. Can you please see what is going on? They kept adding charges which is now over {$19000.00} which will prevent me from ever catching up when I am only 1 payment behind. They are charging me {$15.00} a week for someone to driveby and take pictures. It adds up quickly.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed numerous amounts of collections under unknown addresses, I have never signed any contracts with these debt collectors or creditors to furnish any account on my consumer profile. Also, I have reached out to Equifax asking them to verify this debt or remove it from my credit profile in the dispute center in their website. Despite sending proof of identity and residence along with FTC report, I have yet to receive a response or removal of accounts connected to this report! This has became extremely stressful to know the credit bureaus would abuse their reporting rights in this way and cause me mental and financial stress!
Product: Checking or savings account

On XXXX XX/XX/2023 This Complain is related to my last complain XXXX. XXXX I opened my online banking to see that XXXX deposits become {$67000.00} that means part of my savings has returned to my account!!! so I decided to save the saving because I lost trust of the bank and made wire transfer to the same account in XXXX ( XXXX XXXX XXXX attached transaction {$60000.00} on XXXX XX/XX/2023 ) and I also made internal transfer to my real Estate Company ( his account also in Bank of America Attached transaction {$1500.00} on XXXX XX/XX/2023 ) now my checking account is {$6900.00} after making the two transactions, so the shortage amount in my deposits now is {$180000.00}, please keep in mind that all my transactions after selling the house was to my niece account XXXX XXXX XXXX  in XXXX and only {$1500.00} to the real Estate company bank Of America, I am cleared of any other suspicious movements in my account in this complain and my last two complains No. XXXX and No. XXXX please treat this complain as priority and I am waiting for investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The credit Bureaus stated that the information was verified and was accurate upon the completion of their investigation. How can this be true if the open dates are incorrect, the dates last active are inaccurate, the dates last reported are inaccurate and the balances are inaccurate. All of this incorrect information reporting on my credit is grounds for the accounts to be removed from my credit report. My rights have been violated under 15 U.S.C. 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. 15 U.S.C. 1681 section 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 information is incorrect. 15 U.S.C. 1681 ( a ) ( 5 ) states : no consumer reporting agency may make any consumer reporting containing any of the following items of information other adverse item of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please re-investigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please re-investigate and update or delete these disputed items. Please forward me the name and address of the persons contacted. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$230.00} XXXX XXXX XXXX Owed : {$2200.00}
Product: Credit reporting or other personal consumer reports

Credit bureaus has a JJ Marshall to bankruptcies. The information is incorrect. The Bankruptcy Court also do not report this information to the credit bureaus the credit rebuild pulls this information I have tried to dispute this information with the credibility refused to get the information off of my credit report, so Im filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir or Madam:To whom it may concernThe sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXThe items listed are clearly fraudulent; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b).III. A. Blocking Information in Credit Reports under Sections-605B and 623(a)(6)Under section 605B of the Fair Credit Reporting Act (FCRA), both the credit reporting agencies (CRAs) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA (furnishers) are responsible for blocking fraudulent information from appearing in victims’ credit reports, blocking fraudulent information from appearing in victims’ credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely,XXXX XXXX SS#XXXX DOB: XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX fl XXXX
Product: Credit card or prepaid card

In XXXX I paid down half my balance on my XXXX card ( I made on time monthly payments ). They reduced my credit card limit down to the amount I still owed. I contacted them about it and they blamed my credit score. 
I paid off the remaining balance on XXXX XXXX, 2017 and they closed my account! XXXX credit card is owned by XXXX XXXX. When I read complaints online, they are known for reducing/ cancelling people 's accounts when balances are paid off, even people with excellent credit. This reduction/closing hurts people 's credit scores. While my score is n't good, making on time payments and paying off the balance was supposed to be the right actions to help build it.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I tried sending money to my friend XXXX XXXX through Chase Quick Pay with XXXX as he was travelling abroad and urgently needed money to cover some bills. 
On XX/XX/XXXX I sent {$2000.00} to his registered XXXX mobile number ending XXXX, XXXX transaction # XXXX from my Chase checking account # ending in XXXX. Since he did not recieve the money into his XXXX XXXX XXXX Account, I tried sending {$2.00} on XX/XX/XXXX to the same number, XXXX transaction XXXX but he did not receive that as well. He checked his online banking account at XXXX  XXXX XXXX, but he did not see the deposits. He was unable to verify with XXXX  XXXX XXXX until XX/XX/XXXX as he was travelling. On his return on XX/XX/XXXX he called XXXX XXXX XXXX and they indicated that they did not receive the money. Also we realized his XXXX XXXX XXXX XXXX account was registered with his email address and not his phone number. He immediately registered his mobile phone number ending XXXX to his XXXX  XXXX XXXX XXXX profile. He was successfully able to register the number and I also sent him {$1.00} through Chase Quick pay on XXXX which he successfully received. But there was no trace of {$2000.00} and {$2.00} transfers that were made to him. Per Chase Quick Pay XXXX guidance, if money is sent to an unregistered mobile number and is not claimed in 14 days it should be credited back to the sender ( my ) account, but that never happened. I called XXXX as well to help me with this issue and they directed me to Chase Bank, indicating that since the transfer was done through Chase mobile app, they have no responsibility. I filed a claim with Chase on XXXX ( Claim # XXXX ) to investigate and they responded back to say that the transaction was authorized and processed correctly and that no adjustment would be made to my account. There is no explanation as to where the money went. I am out {$2000.00} with neither Chase Bank nor XXXX being able to explain what happened to that money.