23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX did not apply any relief during XXXX XXXX or XXXX  for XXXX  days. I lost my job XX/XX/XXXX as a XXXX XXXX and was charged late fees for over XXXX  months and was forced to file for bankruptcy. They were contacted via phone for over XXXX XXXX years to date and I finally received a payoff statement XX/XX/XXXX after reaching out to XXXX XXXX XXXX who is working on this serious case. 
XXXX has also discredited my Credit Report with all XXXX credit report companies ; which is also under investigation with my lawyer. 

Without the options to relieve me financially during XXXX, XXXX mortgage continue to charge me late fees, ruined my credit and ignored my calls stating I was not in their data base system until I informed them I had legal representation & XXXX investigation involved.
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. 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. As well as failure to resolve issues with scams.
Product: Vehicle loan or lease

I leased a XXXX XXXX on XX/XX/XXXX for 36 months. I returned the car to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, NY on XXXX XXXX. The lease end date was XX/XX/XXXX. Chase Auto Finance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX continued to deduct my XXXX payment XX/XX/XXXX, 14 days after I returned the car. They automatically deducted {$960.00}. I can understand an error but it has been over three weeks of constant calls and no one can give me a straight answer and I am made to feel as the criminal.

I contacted them, and was told that I had to turn off auto pay or it will happen every month. I then proceeded to turn of the auto pay, and request the refund of the 37th month payment on my 36 month lease. I was told they would send a check within 10 business days. After not receiving a check i contacted them again, only to be told they could not reimburse me for at least 60-90 days. I spoke with numerous supervisors who all said nothing. I contacted XXXX XXXX the dealership where I returned the car and they apologized. They also there was nothing they could do, it was a Chase Auto Finance matter. 

This is fraud, theft and abuse. They took an extra month lease payment after the car was returned and clearly have no intention of returning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from them XXXX XXXX XXXX in CASH actually he ( man in office ) ran my card as CREDIT and took out the full amount with out my proper permission, but since it would be CHEAPER to pay the XXXX XXXX vs the {$6100.00} sticker price I didnt complain. 
I was not aware that he would be running my credit illegally since i NEVER financed thru them. They also took the car back claiming I owed them money, these are the dates my credit was illegally pulled : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I called up there and they assured me they had NO FINANCE company and they didnt know who or why XXXX XXXX connected to them.
Product: Money transfer, virtual currency, or money service

I have a CashApp account. It is connected to my XXXX banking account. Prior to XX/XX/XXXX, I regularly transferred money from my CashApp account to my XXXX account XXXX XXXX XXXX via their 2-day transfer option, without paying any fees. 

In XX/XX/XXXX, I started running into problems using XXXX to transfer money out of my CashApp account. I have made 7 attempts to XXXX. Of the 7, only 1 was successful. The 1 successful attempt occurred when I opted for an instant transfer and paid the associated processing fee. Every attempt to complete a 2-day transfer has been returned to me with a note that the transfer was denied by XXXX. However, this is the same XXXX who apparently accepted an instant Cashout with no trouble. 

The XXXX attempts are below : 1 ) Unsuccessful - {$1700.00} via 2-day on XXXX 2 ) Unsuccessful - {$1700.00} via 2-day on XXXX 3 ) Successful - {$1.00} via instant on XXXX 4 ) Unsuccessful - {$1600.00} via 2-day on XXXX 5 ) Unsuccessful - {$1.00} via 2-day on XXXX 6 ) Unsuccessful - {$10.00} via 2-day on XXXX 7 ) Unsuccessful - {$1600.00} via 2-day on XXXX -- > This was cancelled by CashApp representative XXXX XXXX in response to my request for assistance in getting my XXXX  successfully completed. 

I contacted XXXX on XXXX. They checked my account and assured me there is nothing blocking my incoming transfer. I have attempted to contact CashApp on XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. They only have email support available, there is no one I can speak to. Additionally, they have not been helpful. They have actually gone through and rejected my XXXX requests or given me the steps to submit one although they can see the submitted ( and denied XXXX request right in the queue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting AXXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
Block these erroneous items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Ocwen Loan, I fell a little behind in my mortgage due to an injury and divorce, I have been trying to get back on track with Ocwen but they refuse to accept payments and have consistently sent payoff and reinstatement letter that have already expired by the time they get them to me. Now a days with email and over night mail ever regular mail there is no excuse for this. My house is now in foreclosure, I have funds to pay the P & I that I owe in full but they say I need to talk to my account manager. He is never available and when appointment is set up to 6 weeks in advance they call and phone rings only once and no one on other end. I call back and am told I need to make another appointment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft for over 3 years now, while I was receiving XXXX because of the aggressive XXXX. My creditors did not protect at all while I was battling for my life and this is wrong on so many levels. This is my last and final time reaching out to the creditors and credit reporting agencies. The next step would be contacting an attorney and suing each creditor one by one plus the stress it has caused and court cost. This has been a nightmare, I had to change my drivers license number and contact SSA. This guy even pulled money from my 401K account. I also attached a copy of the police report. The following accounts need to removed immediately XXXX XXXX XXXX XXXX -- never opened an account with this company and would like for this company to send me signed contract with my signature. This is a fraudulent account I want removed immediately. 

The XXXX  XXXX XXXX  -- -- This account was opened and used without my consent, please remove XXXX XXXX XXXX  -- -This account was opened and used without my consent please remove XXXX Department Store -- -Account used without my permission and fraudulent charges by roommate please remove immediately XXXX/XXXX  -- -This account was used and charges were made without my permission please remove from credit file XXXX/XXXX  plcc -- This account was used and charges were made without my permission and consent please remove from credit file XXXX XXXX -- -- This account was used , services were added and I did not consent to this account please remove. 

XXXX XXXX -- -XXXX is aware of this account also, XXXX closed my account because of suspicious activity I remember them reaching out to me prior to XXXX and XXXX  XXXX along with XXXX I never heard back from them. Please remove account XXXX -- -Charges made and card used without my consent, please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB COMPLAINT AGAINST SANTANDER Account Number Ending In : XXXX VIN # XXXX First off let me state that is and has been violating my consumer rights for years By committing fraud and extortion on my and my consumer credit report by committing these violations and after being repeatedly being notified of there willful non-compliance and refusal to take action as outlined in the FCRA FDCPA and removed account from consumer report with the consumer reporting agencies. 

VIOLATION OF 15 USC 1681S-2 ( a ) ( 1 ) ( A ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 5 ) This account 1st went delinquent well over 7 years ago which is now beyond its reputability An example of these violations enclosed from a recent consumer report showing these violation as being reported by Santander. 

The non-reporting and inconsistent reporting of the day of first delinquency Reporting of payments being made by consumer continually well after collateral was in repossession and sold, Also reporting the very fact of payment history different and inconsistent amongst the consumer reporting agencies. 

Santander was made aware and put on notice about this numerous times and at this point its just willful non-compliance of the law and negligence and defamation upon me, because this defamatory and inaccurate information was distributed to other entities uncorrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Security Breach : I 'm very concerned that the most secure data I own was given up by a company I 've never done business with and have not control over. The implications of this breach are enormous for my family and for our nation considering half the population was impacted. I think the Federal Government needs to step in to protect the U.S. citizens on this security threat. We ca n't wait and need to do something now. This should have just as high priority as the funding for Hurricane victims. Please help.
Product: Mortgage

I received a call from my banker advising that my home equity line of credit payment would be increasing from interest only payments to 2 % of the balance effective XXXX XXXX. around XXXX XXXX due to a drop in my credit score. The following week I received a letter from the bank confirming the above mentioned. I ask the banker to see if I could retain the interest only status until I could examine what caused the drop in my credit score.  Approximately 2 days later I was advised there would be no change in the actions taken. 
XXXX XXXX I sent a certified letter to the financial institution advising the effect and impact of raising my payment from {$190.00} to {$570.00}. The scheduled payments had never been late or missed. In addition to increasing my APR and payment on the line of credit my XXXX was also shut down and the APR increased, neither payment has never been late since inception. I did receive a response but not from the certified letter. The response stated that the bank exercised a clause allegedly in the HELOC that they did n't provide a copy of. This harsh unexpected increase will at some point send the products into default. The response went on to say the decision was n't because of late payments but rather an overall review of my credit report provided by the credit reporting agency XXXX. I did not authorize a review of my credit nor was it covered in the disclosures ( Unfair Deceptive Practices ) that a periodic review would be conducted that would grossly impact my ability to pay. In addition to the payment increase the rate was increased and as stated the accounts had never been late. Please help, I have confirmation of registered mail copies of the letters etc. Thanks
Product: Debt collection

This is a bill from a electric company I owe apparently but was not billed until years and years later when I have a current address up to date. I always paid my bill. I was a young single mom and going through a energy program at the time and had duke. Not sure how I owe all this money all the sudden. I have tried to dispute. Ive never received a bill let alone a itemized bill. Have had the same address and its public record for 6 years now. This is bull city financial who has this debt now.
Product: Checking or savings account

On XX/XX/XXXX, a debit from a XXXX transaction posted to my Ally account ending in XXXX. I discovered this on XX/XX/XXXX and immediately contacted Ally and filed a dispute with a customer service XXXX On XX/XX/XXXX, I was issued a provisional credit and I thought that would be the end of the problem. Please understand, I did not do a XXXX transaction in my Ally account. It was done by somebody other than myself, a hacker I believe. I never set up any XXXX to be done in my Ally account. That was done by the hacker. On the same day, XX/XX/XXXX, another XXXX transaction was attempted in that same XXXX Ally account for {$990.00}. Ally rejected that one but allowed the smaller one to be completed. I was never notified via email, phone call or text of these XXXX transactions by Ally. I discovered them when I was online examining activity on my account. On the same day, I transferred all monies from the XXXX account to a new Ally savings account ending in XXXX. I also changed user IDs and passwords to both accounts. I received a letter from Ally dated XX/XX/XXXX saying that Ally had rejected my dispute, that no error had occurred and that the transaction was completed with a merchant that I had an established relationship with. This is absolutely not true. I attempted to file a XXXX dispute on XX/XX/XXXX, this time speaking with a supervisor. On XX/XX/XXXX, I called back and was told that the XXXX dispute was denied. I called back on XX/XX/XXXX and was told that the dispute was closed not denied because it was deemed a duplicate. On XX/XX/XXXX, I spoke to a person in Loss Prevention and she spoke to somebody in the Fraud department and they said it was final. According to her the Fraud department said they spoke with XXXX directly and based on their communication with XXXX they came up with their final decision. Please understand, I was never allowed to speak with anybody directly in the fraud department, which is unbelievable and very frustrating to me. That the XXXX transaction was done is not the question. The question is whether it was done by me and how they could know that by talking with XXXX, I do not know. But let me make this clear, I did not do this XXXX transaction. I have only ever done and set up XXXX transactions in my XXXX checking account, period.
Product: Checking or savings account

Am Keep Getting and Error Message and Unable to access my account i contacted current Customer Service and they are Refusing to Fix this Problem with my account or help me gain access to my account everytime when i try to login to Current i keep getting and error we couldnt verify your account please reach out to support for assistance XXXX i have send them several emails asking them to fix my account access and they keep telling me to log out app and reinstalled it i have reinstalled the app several time still cant access my account current is being terrible to me and they are refusing to fix my account XXXX this point am requesting for and investigation for why current is refusing me to give me access to my account on my correct current device please help me with this please at this point i dont know if they are doing this for the fact the account is on hold and they refusing to fix this problem
Product: Credit reporting or other personal consumer reports

Experian has a collection from XXXX XXXX  on my report that is from a cancellation on a car insurance policy for {$510.00} the insurance was canceled for non payment I had this policy in XXXX why is this on my report still in XXXX please remove this
Product: Checking or savings account

Good afternoon. I am filing another complaint in regards to Suntrust Bank. Since the initial opening of the account, I had requested overdraft protection on the account, meaning : It will never result to a negative balance. After the first complaint, I had refilled the account back to positive. However, there are still continuous issues with the checking account. I do not ever seek for the account to result to a negative balance. Transactions are never declined, and it is a serious issue.
Product: Credit reporting or other personal consumer reports

Theres a bankruptcy on my credit report that dont belong to me i am uploading XXXX XXXX report stating they removed it
Product: Mortgage

My XXXX XXXX XXXX XXXXn 2020, I applied for a loan modification and was denied they told me to do a short sale on the house, Its like they wanted me to lose the home., I sent every document that I had but that wasnt good enough.recently I applied for a homeowner tax credit was approved the representative told me that when that money comes through to send it to them In which I planned on doing but I already paid the same amount, I asked for a representative better yet a supervisor and she told me something entirely different and Im now waiting on the latest reading in my house, I say this to say some people just dont know but if you dont know please dont assume.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply XXXX by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Product: Money transfer, virtual currency, or money service

I deposited a check into my accounts for {$10000.00}. The check was from a company I did work for and they bank with XXXX  XXXX XXXX. When I was at the bank they didn't ask anything, they just took the check and deposited and told me to call the number if i wanted them to take the hold off. I called them and was told I had to wait till the EOD. I called the next day and was told by someone who was deeming me that the funds won't be available till XX/XX/29 7 days later. I explained to them how is that happening I need the funds, he laughed and said the teller should have told me and what does he wanted me to tell him to do. I asked for a supervisor got connected to one and was told the same thing. They told me that the bank has the final say and they have to wait till it clears by itself without giving anything.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Unauthorized Reporting of Negative Collections To Whom It May Concern, I am writing to formally dispute the reporting of the following collections on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never provided consent or permissible purpose under the Fair Credit Reporting Act ( FCRA ) for these entities to report negative collections on my credit report. Under 15 U.S.C. 1681b, consumer reporting agencies are required to have a permissible purpose to include information on a consumer 's report. The inclusion of these collections without my explicit consent violates this standard.

Additionally, based on my investigation, these entities are not licensed to collect debts in the state of Arizona. Per state regulations, debt collectors must be properly licensed to legally operate and pursue collection activities. Reporting accounts from unlicensed entities fails to comply with both state law and the FCRA 's mandate for accuracy and verifiability ( 15 U.S.C. 1681e ( b ) ).

As such, I formally request the following actions : Immediate Deletion of the Accounts : Permanently remove these collections from my credit reports with Equifax, XXXX, and XXXX, as they lack a permissible purpose and are being reported by unlicensed entities. 

Written Confirmation : Provide written confirmation of the deletion of these accounts from my credit reports. 

Verification of Reporting : If you believe these accounts can be lawfully reported, provide evidence of permissible purpose and documentation confirming these entities licensure to collect in Arizona.

Failure to comply with this request within the legally required timeframe of 30 days, per 15 U.S.C. 1681i, will necessitate further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Arizona Attorney Generals Office. 

I appreciate your immediate attention to this matter and look forward to your confirmation of the requested actions. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed via online about an account from   XXXX   XXXX   that I did not recognize  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . They ( Equifa x )  responded quickly saying that the account has been verified. I called and spoke with  two reps.  When I got to the gentleman that was the supervisor he told me that they did not do investigations if the creditor comes back and says that it is mine. I told him that is not how an investigation is supposed to work he told me that is how it works at Equifax. He told me I am welcome to dispute it again but it will just be verified. I have tried to verify directly with   XXXX   XXXX   and ask for proper verification. I have not gotten proper verification from them either. I do not understand how no one has properly verified this debt but they are verifying the information with each other. I am requesting that Equifax remove this collection because a proper investigation was not done and this debt is not verifiable.