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

My car was repossessed in XXXX due to me falling behind in payments. I fell behind in payments due to my being XXXX and losing my job. I have XXXX XXXX XXXX  and a XXXX XXXX. I have XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have other XXXX as well. American Credit Acceptance told me that I would not be charged a fee for retrieving my personal items from the vehicle. American Credit Acceptance is the lender and they hired a vendor. The vendor 's name is XXXX XXXX XXXX. XXXX  XXXX XXXX hired XXXX XXXX  XXXX XXXX XXXX to repossess my vehicle. I contacted XXXX XXXX XXXX XXXX XXXX to retrieve my XXXX equipment and other personal items from the vehicle. They told me I must pay XXXX dollars to receive my personal property from the vehicle. However, I notified them I was XXXX and did not have the money to pay for ( MY ) personal items. They then got mad and canceled the appointment. My XXXX has become aggravated due to their intentional negligence and trying to take advantage of me. I demand these companies to be held accountable. Also, they sold my vehicle for XXXX dollars on XX/XX/XXXX. American Credit Acceptance informed me I still owed XXXX dollars. However, my credit report still shows I owe XXXX thousand dollars.
Product: Debt collection

I have been getting calls from a collection adjency concerning a debt that is not mine l need this cleared up, it has negitivly hit my creadit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pick up truck was totaled in XXXX  of 2019. Insurance paid vehicle in XXXX  2019.XXXX XXXX   has not updated credit bureau.as of XXXX2019. Experian says I owe {$10000.00}, XXXX  says {$440.00}, XXXX  says account is closed. Also XXXX XXXX has submitted negative late payments on credit report. I have also tried to submit a dispute with the credit bureaus but they say the information is correct, which it is not
Product: Checking or savings account

I was being scammed by someone claiming that they were with XXXX XXXX. Before I caught on, they had reverse previous bills that were already paid. I called Chase Bank to stop the investigation, they replied that once they started it could not be stopped. I explained that it was not me, and that you did not do a complete verification of my information. And why did you not think that something was wrong when the reversals of all paid accounts went back XXXX months. I tried to get them ( Chase ), to repay all of the accounts, as of today they still have not paid any accounts. I explained that my water will be turned off if they do not immediately pay the water company. I have been on the phone for hours, with no luck. My last call I was told that the verification 's system was down, that I should call back in XXXX to XXXX hours later.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnioun was notified several times on XXXX of unauthorized accounts reporting on my consumer file.However on XX/XX/2022 they claimed they verified XXXX XXXX XXXX XXXX {$170.00}, XXXX XXXX XXXX XXXX {$250.00}, XXXX XXXX SERVICES XXXX {$930.00}, XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX ; {$2100.00}. I Requested how they verified these accounts if they never Pursuant to 15U.S, C 1681 ( a ) ( 4 ) they did not insure that the information was ; is accurate, and they did not exercise there grave responsibility with fairness and impartiality, TransUnion took one side of the story and never consulted with me to find out if the transaction even took place. As a result of this my privacy was breached and violated my rights to privacy. It is a fact that I am a Natural person pursuant to 15 U.S.C 1692A ( 3 ). I never gave TransUnioun written or verbal communication to report inaccurate errors on my consumer report. This has undermined my confidence in TransUnioun as a Reporting agency.
Product: Credit card or prepaid card

I made a purchase from XXXX with this Citizen 's XXXX credit card in XXXX XXXX  I made a payment of {$96.00} on the account and then decided I wanted to return the purchase with the intent of making another purchase immediately after the account was credited. XXXX promptly accepted the return and credited the account, {$1500.00}, leaving me with a positive balance of - {$96.00}. While making the next purchase I was mistakenly informed that the account was over my credit limit and received a fraud prevention email from the bank saying to contact them. I immediately contacted the bank and the case was escalated on XXXX XXXX XXXX I was told that they would contact me within 4 business days. It is now XXXX business days from then and I've received no contact from the bank, by either email or phone. When I call, they tell me that the case has been escalated.
Product: Debt collection

Continue to call a number that they have been asked not to use. We were told that they deleted the number from their system. Obviously, they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with target, and that same day, I acquired merchandise worth of approximately {$300.00}. Then, weeks later I tried to pay my balance with my account number given because Target had failed to send me a tangible credit card, this was my only choice to pay dues. However, this when the problems arise. Suggested by a store rep, I waited until I receive the card 's statement ( still my card was n't sent yet ), and in it, it showed purchases and payments not incurred by me. I contacted Target to resolve the issue that I did n't create, but it failed to help or remove it. Target 's Negligence has affected my personal and business goals. I have attempted to obtain credit for XXXX XXXX, but due to that wrongful report, I have n't being able. my business has n't being able to grow, therefore, provide for my family.
Product: Vehicle loan or lease

USAA Bank contacted me to let me know that they " accidentally '' reported my ( on time/current ) car loan as 60 days pays due. I've worked hard to achieve and maintain a 800+ credit score and am stunned that something like this would happen. USAA stated they will provide an update to the credit bureaus but that it can take 60 days for it to reflect. This could severely impact my ability to get a loan if needed OR cause me to a pay a higher rate of interest than I would otherwise qualify for. USAA should be held accountable for this mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate and nonfactual data /information on Accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. They are reporting inaccurate Past due amounts, a false Balances which has increased even though accounts are closed, and amount is paid in full. Experian is also reporting accounts open when in fact they are closed these are all are negligent and inaccurate reporting and nonfactual. reporting Inaccurate information and nonfactual information is not in compliance with the FCRA. Should Experian continue in non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with Experian for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Experian 's non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt which has been paid against me and your implied agreement to compensate me for court costs and attorney fees. Additionally, any reporting of this debt to the credit bureaus without validation and continued reporting of inaccurate information it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. Because you are in violation, this account must be removed and deleted from my credit report.
Product: Credit card or prepaid card

Again this nightmare with Citigroup!!! A year ago I am dealing with this stressful situation with this Company! and now they are reporting me with two different collection agencies at the SAME TIME!!! 
I called both and they reject the account because they can see this is crazy! 
One of the agent told me, they can not report me with two agencies at the same time!
Now they have a new one!!! the third agency involved and I contacted the President of Citigroup but NOT cares about this!
The same CLOWN than year ago, was ACTING to help me, when the company close my account because the lady did n't like and do n't understand my accent! 
Sent me a letter again, then a new agency is contact me about some amount I DO NOT own Citigroup! 
It is NOT my fault if employees from this big MONSTER company like Citigroup, do n't have track of customers information, and they are giving the wrong information over the phone! 
Here I am attaching the last letter, I sent again to the President, following recommendations of the agent, in one of the agencies they reported me. 
You can see too, the anwser of XXXX XXXX XXXX and copies of three different agencies I have been report in one year but NOT succes, from XXXX XXXX who is crazy about to make me pay some amount, I DO NOT OWN. 
Please any question, feel free to contac me @ XXXX or XXXXXXXXXXXX. 
Thanks a lot, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to Experian to verify the accuracy of a Public record XXXX XXXX  Bankruptcy because I had never seen it before and it is not reporting to XXXX or XXXX. I wanted to know where they received this information from and how was it verified. They updated me that it was accurate but never stated where or what court verified this information. 
In accordance with the Fair Credit Reporting act Experian reporting a XXXX XXXX bankruptcy, 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
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have noticed some unauthorized inquiries appearing on my credit report I have listed the inquiries below and uploaded supporting documents. 

1.XXXX XXXX XXXX XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXXXXXX  4. XXXX XXXXXXXX XXXX XXXXXXXX  5. XXXX XXXX XX/XX/XXXXXXXX  6. XXXX XXXX XX/XX/XXXXXXXX  7. XXXX XXXX XXXX XXXX
Product: Credit reporting

annualcreditreport.com says it can not supply my free annual report by email " for security reasons ''. It had no trouble asking me to input all my personal information online, so why should it balk at sending me my own personal information online, via email? It does offer to send the report via regular mail but that appears to take two weeks and it requires the provision of even more personal information. We all know that this is just another invasion of what little is left of our privacy. Please do something to stop it.
Product: Checking or savings account

Bank of America keep taking money out my account I keep having this issue I want all my money back
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I sent an international wire transfer to my sister in XXXX, XXXX. The amount was {$1700.00} debited from a savings account that I have with Citi Bank. The delivery was promised on or before XX/XX/2023. 
I want to note that this is the type of transaction that I have conducted via this institution for at least years, so I was surprised that the funds never arrived. 
I contacted the company by phone to notify it of the situation. I finally received a letter informing me that research was underway. I waited about 30 days, no answer. I called the company again and requested that since the recipient never received the funds, the amount should be refunded/credited to my account. 
I reminded Citi Bank that I hired it to perform a specific task and it failed me. If it sent the funds as it claims but they were never received by the beneficiary, they must recover the payment from the entity they use for their transaction, said entity/department has no relationship with me whatsoever. 
Instead of refunding/crediting my account, I received a letter stating that they made the payment without proof. My sister never received the {$1700.00}, my account has not been credited. 
I did not expect Citi Bank to fail me this way and now claims that I must pay for its mistakes, it failure to conduct the transaction as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears I am a victim of the massive Equifax data breach and I find it outrageous that, in an attempt to best protect myself from Equifax 's lapse in security, I must pay {$10.00} per credit bureau to enact a credit freeze. I believe that as a credit bureau, Equifax et al should be held to a higher standard for securing my personal data being that it holds in one place virtually every aspect of my life history. My financial life is now completely vulnerable thru no fault of my own. As a result, I am filing this complaint to request that Equifax compensate me for {$90.00} which will cover the fees to both apply and remove a credit freeze at all three bureaus plus the addition of a one-time " thaw '' or temporary freeze at all three bureaus. I feel this is fair and reasonable in that I 'm not looking to profit but simply re-coup my outlay. 

Best regards, XXXX
Product: Vehicle loan or lease

We have a title loan through autopay in XXXX colorodo. The balance was {$310.00}. The balance was sent to collections. On XXXX XXXX 2017 we called autopay to make the payment. ( cleared with bank XXXX XXXX 2017 ) They directed us to a collection agency with a number but refused to give us the name. We called and paid it that day. We were then told we would be receiving the title in the mail within 90 days. In the beginning of XXXX  we called autopay to find out if the title had been sent out yet, we were told it was not and that we needed to Contact XXXX XXXX. XXXX XXXX said they did n't have anything from us so we needed to call cpcrecovery. We called and they said we needed to email proof and they would send it to XXXX XXXX. So we did and then we were told they would send the title and to again allow 90 days. Here it is the end of XXXX and autopay is saying we never made a payment even with our proof being emailed, then they say they 're waiting for the funds to be released so we can get our title. The story keeps changing. Every call we make to keep checking on it they keep asking when we paid it. It 's like they 're not taking notes, acts like they never heard from us and not caring. It 's been almost 6 months since we paid it off. I ca n't work because we 're down to one vehicle because we 're being refused registration for the vehicle and my insurance is dropping the vehicle. We just want our title.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX Date Opened XXXX. XXXX, 2016 XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Reported XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XXXX A Reported XX/XX/2023 XXXX XXXX XXXX Reported XX/XX/202XXXX XXXX XXXX Reported XX/XX/2023 XXXXXXXX XXXX  Reported XX/XX/2023 XXXX XXXX XXXX  Reported XX/XX/2023 XXXX Reported XX/XX/XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXXXXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/2023 XXXX XXXX  Reported XX/XX/2023 XXXXXXXX XXXX Reported XX/XX/2023 XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/20XXXX XXXX XXXXXXXX XXXX Reported XX/XX/2023 XXXX XXXX Reported XX/XX/2023 XXXX XXXX  Reported XX/XX/2023 XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX Reported XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Reported XX/XX/2023 has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions,
Product: Checking or savings account

Bank of America has AGAIN allowed someone to open a checking account in my name. This is the same problem as my previous complaint XXXX. It has happened in XX/XX/22 and XX/XX/22 previously. The product is a " Bank of America Advantage SafeBalance Banking Account ''. My credit is frozen with all three agencies. Last time I fixed this with Bank of America they promised they would not allow this to happen again. The fradulent activity includes the opening of the account and signing up for mobile banking. They also allow this to happen without verifying my email address ( I know because I checked what devices are logged into my gmail account ). 

It is difficult to get ahold of Bank of America because they require a full account number and credentials! Obviously I don't have those. 

I don't really understand the fraudster 's play here, but my wife and I are trying to buy a house and I can't risk any identify theft right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted TransUnion and advised that hard inquiries were deleted and reinserted in my file.  Told Tr ansUnion their glitch caused this problem. Told my representative it 's not his problem.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC XXXX regarding the account that do not belong to me. 

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: 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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. I have had fraudulent charges occur on my account, because my account was unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$3300.00}
Product: Checking or savings account

XXXX XXXX XXXX, Bank of America, XXXX, New Jersey branch, suggested I open a checking account! He said there was a promotion : I would be given {$300.00} after 3 direct deposits totaling {$5.00} ; XXXX, this as dine by my monthly Social Security checks! 

He NEVER told me that there can be up to 60 days for the {$300.00} to be deposited into my checking account! He scrolled quickly through dense arcane wording and provided me with nothing in writing! What mattered was the sale! 

But now I am told it can take up to 60 days for the {$300.00} to be deposited by the bank into my checking account! I objected. He said he was powerless to speed up payment. The matter was escalated to the branch manager who repeated the up to 60 days excuse! 

But this is not rocket science! There can be no rational excuse for such a long, long delay other than the bank does not want to part with the {$300.00}! 

The bank may not retaliate against me for filing this complaint! That would be obstruction of justice and interference with the administration of government-both felonies!
Product: Checking or savings account

I deposited {$2000.00} cash in the ATM. ( 20 X {$100.00} ). The machine printed a receipt to call the bank to make sure my deposit went through, No $ amount on the receipt. I went in to the bank and talked to the account manager, he knows I put in {$2000.00}. 

They gave me a provisional credit for the {$2000.00}. They later sent a letter saying after their investigation I owe them {$880.00}. I don't owe them anything. I have been banking with them for 30 years. They won't let me know what the investigated. 

I can prove I took the money out of a XXXX account the same day to move to my Chase account to pay my house payment, Claim # XXXX
Product: Credit card

Barclays Bank denied me a XXXX XXXX based on a XXXX XXXX XXXX XXXX issue I had with them. My XXXX has been perfect for XXXX years and I have an XXXX XXXX XXXX having missed no payments or other XXXX issues for XXXX years.