23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX, XXXX here is my tracking number XXXX XXXX XXXX, XXXX # XXXX, Transunion XXXX XXXX. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681 Section 602 A states I have the right to privacy. Also, according to 15 USC 6802, No Financial Institution is not supposed to share my information with third-party people.

This s a clear violation of my Federally Protected Consumer Rights.
Product: Vehicle loan or lease

Credit Acceptance sold me a XXXX XXXX worth XXXX of what it's worth. A {$8000.00} truck for close to {$30.00}, over the tn limit at 28.97 % charging me {$4000.00} for insurance on mechanical breakdown then when it broke down 2 months later it had to many miles for the insurance they said
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXXXX - XX/XX/XXXX Equifax, XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXX  Companies XXXX Finance XX/XX/XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

They have sent me a collection notice for {$440.00} and this is supposed to be the final amount due for water and some minor miscellaneous charges from an apartment that I lived in for one month 's time. There is absolutely no way that my water bill was that much for one or two months. They averaged about {$82.00} a month while I lived there. I have asked both the apartment and the collection agency repeatedly to send me a statement itemizing the charges. It has been 9 months since I moved out, and I can not get the statement. I called the apartment, and they say that they made an error and it should be about half that, and they told me that they took care of it with the collection agency, however, I just received another statement from the collection agency with no correction. The collection agency then sent a collection notice to my son who was a minor on my lease, and that is absolutely wrong. Any communication with this collection agency is just completely unhelpful. They yell at me that they can not make the apartment send the statement, and refuse to provide it. I told them not to call me any more, and they said they would call continue to call me. Bottom line, I will pay what I owe, which should be around {$200.00} but I can not get an accurate statement showing me what I owe. I need the statement, and I need this item off of my son 's credit, as he was a minor child listed on my lease as a child, NOT a responsible party.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 45 days ago on XX/XX/2022, I sent letters to XXXX, TransUnion, and XXXX informing them that I needed the method of how some inaccurate accounts were " verified ''. I have yet to receive a response and I feel this matter is not being handle properly. I feel as if I am being taken as a joke. No response in this amount of time should result in automatic deletion according to the Fair Credit Reporting Act.
Product: Vehicle loan or lease

i made a pyment arrangement several time with representatives and my car was still repossessed. I was not able to make payments because i was laid off from work and i explained that to fulton bank several times please help
Product: Vehicle loan or lease

I was always current with my payments with Santander. When I reached out to them in XXXX or XXXX of 2019 and told them that I was starting XXXX school and that I needed help with lowering the payments, they told me that my only option was to refinance the car loan, which I could not do. 

Well, I had to voluntarily give up the car. The car was sold at an auction for less than the original balance and now Santander is coming after me for {$7000.00}. This is still being reported on my credit report and it's not right. 

Not to mention, how Santander is charging the same amount of interest as the car price. For example, my car price was $ XXXX. After 72 months, my payment would be over 30k to this company. 

I don't understand how finance companies are getting away with cheating people like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ant payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

34 CFR 682.208 ( 3 ) Due Diligence in Servicing a Loan : " Upon receipt of a valid identity theft report as defined in section 603 ( q ) ( 4 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) or notification from a consumer reporting agency that information furnished by the lender is a result of an alleged identity theft as defined in 682.402 ( e ) ( 14 ), an eligible lender shall suspend consumer reporting agency reporting for a period not to exceed 120 days while the lender determines the enforceability of a loan. '' As a result of attempting to communicate with XXXX over a year on my loan, I ultimately stopped payment on my loans in XX/XX/ in order not to ratify any modifications to my contract after discovering identity theft in the form of an unauthorized XXXX  application in XX/XX/2023, which XXXX now admits was not applicable to my account. ( Notably, had XXXX pushed my payments ahead due to all of the overpayments, I would be years ahead at this point. ) I provided proof of identity theft ( attached ), yet my credit reports have not been updated in accordance with the foregoing section. I am a small business owner and unable to obtain favorable interest-rate loans for the continued operation of my company as a result of the effect of this identity theft and failure to properly service my loan.
Product: Money transfer, virtual currency, or money service

More than once I have complained to Cash App why they paid some companys I didnt know that I did not authorized them, and said I wanted to know and find out if I could get my money back is what I wanted to ask and talk to someone but I never received a reply on any of the times, I asked questions about the matters. My XXXX XXXX is XXXX  XXXX and my name is XXXX XXXX I have also wondered about my bank I have canected to to Cash App that was took out of the bank it is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to lodge a formal complaint regarding a disputed account on my credit report, which is adversely affecting my credit history. The account in question is related to an auto loan with USAA, and I strongly believe that they are inaccurately reporting a balance despite agreeing to a settlement. 

Account Information : Creditor Name : USAA Details of Dispute : On XX/XX/2022, I entered into a settlement agreement with USAA to resolve the outstanding balance on my auto loan. Per the terms of the settlement, I paid the agreed-upon settlement amount, which was accepted and acknowledged by USAA as full satisfaction of the debt owed. I have copies of all relevant documents, including the settlement agreement and proof of payment, for your reference. 

Despite the settlement and full payment made, I am dismayed to discover that USAA continues to report a balance on this account. This reporting error is unjustifiably harming my credit score and affecting my ability to obtain credit and loans at reasonable terms. It is my understanding that once a settlement has been reached, the balance should reflect as {$0.00} on my credit reports, indicating that the debt has been fully resolved. 

Steps Taken to Resolve the Issue : I have attempted to resolve this matter with USAA directly by contacting their customer service department on multiple occasions. However, my efforts have been met with unsatisfactory responses, delays, and lack of action. Despite providing evidence of the settlement, they have failed to correct the erroneous reporting on my credit file. 

Request for Action : I kindly request the Consumer Financial Protection Bureau to investigate this matter and intervene on my behalf. I ask that you ensure USAA updates their reporting to accurately reflect the settled status of the account and show a balance of {$0.00}. Furthermore, I request that appropriate measures be taken to prevent such inaccuracies from recurring and negatively impacting other consumers. 

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although my identity has been seriously compromised and unauthorized accounts been opened in my name. I still at this point hold the three ( 3 ) major credit bureaus responsible for reporting unverified and unauthorized accounts. I requested a Mehod Of Investigation that made the determination for the 3 major credit bureaus to continue reporting these unauthorized accounts. However, I did not receive any certified signed physical documentation that validates these accounts as being true. I'm demanding that the three ( 3 ) major credit bureaus block the following accounts from my data file / credit report immediately and permanently. 
( 1 ) Dept of ED/ XXXX {$7300.00} ( 2 ) Dept of ED/ XXXX {$5400.00} ( 3 ) Dept of ED/ XXXX   {$3900.00} ( 4 ) Dept of ED/ XXXX {$3000.00} ( 5 ) XXXX XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX {$470.00} As a consumer I'm requesting that these accounts be removed.
Product: Student loan

I borrowed a loan in XXXX for a year in college, the burden of the loan was too high and I withdrew from the program. They were unable to collect payments from me since I was not working then in XXXX I started XXXX and the loan was in collections or default, due to the aggressive collection efforts, I suffered from fear and XXXX and had to with draw from my program. I filed for bankruptcy but this loan will not go away and has affected my ability to get a job or move forward in life.
Product: Money transfer, virtual currency, or money service

My complaint is against Chase Bank and the XXXX XXXX system. On XX/XX/2022 I attempted to wire a business partner online using the Chase Business Checking online system to initiate a wire transfer for {XXXX}. 

The wire was rejected stating invalid name on account. This is not correct. I verified all information, routing and accounting number, name on account ( my business partner is the sole signer on the account ) and address was all correct and verified as valid. There is absolutely no reason why this transaction should not have gone through. 

The money was returned to my account less {XXXX}. Chase bank refuses to refund me this money despite all information outbound to be true and correct. They stated that this is a XXXX  XXXX charge and they will not refund me the money. This is stealing money from small businesses.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are 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 XXXX Balance : {$8100.00}
Product: Debt collection

I reviewed my credit report from XXXX in XX/XX/2018 and saw an unfamiliar collection account from ERC also known as XXXX XXXX XXXX for {$910.00}. I wrote and mailed them a certified letter dated XX/XX/2018 requesting validation of this debt ( signed contract for example ). USPS tracking confirms they received the letter on XX/XX/2018. However, as of today I am still waiting for a response from them. Instead, to add insult to injury, instead of responding to me with the requested documents, they have now added this same erroneous collection to my XXXX   credit report today, which immediately negatively impacted my score ( score dropped 17 points )
Product: Checking or savings account

There were XXXX $ in fraudulent XXXX XXXX charges that went through in California when I live in NC. The bank denied my fraud claim And blamed it on XXXX  while also repeatedly hanging up on me and being rude. The bank has stolen XXXX $ from me and is negligent in there business operations.
Product: Mortgage

In 2006 I was given a Wells Fargo mortgage when I was actually unemployed. This was a predatory loan I am sure. I was set up for failure. When I sought out a modification, I was told I had to miss three mortgage payments to qualify. So that's what I did and I never recovered and this led to me losing my home. I lost my home when I only owed {$3000.00} but Wells Fargo wouldn't work with me. Yet they gave me this loan knowing I had no job T the time. There has been great hardship and disappointment. I feel I was lied to and just not treated appropriately in this situation. Please advise if I have a valid complaint.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payments on time. The payments were due on the XXXX of each month, and both payments were submitted on the XXXX of the respective months. I have included bank statements and payment confirmations to verify that the payments were made before the due dates. 
There appears to have been an internal error by XXXX XXXX, where the payments were not correctly processed or credited to my account on time, leading to these inaccurate late payment reports. 
Additionally, no notification or communication was sent to inform me of a late payment, which further supports that the reported delinquency is in error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Bank of America closed my business bank account with no explanation and since then I am not able to get a personal or business account anywhere which has had a huge effect on my finances
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle handing of disputes, particularly in light of of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that receiving lost funds was impossible and tracking these transactions was not feasible. The CFPB findings indicates Zelle had not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have violated my rightsXXXX15 U.S.C 1681, section 602 A. States I have the right to privacy.

15 U.S.C 1681, Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 for crimes that antedate 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 received a copy of my credit report and found the following item ( s ) to be in error : Experian : Address : XXXX XXXX XXXX PKW XXXX XXXX XXXX, XXXX, GA XXXX - DELETE Experian : Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX DELETE
Product: Checking or savings account

Have deposited funds through XX/XX/year>XXXX  into health savings account. PNC is denying my getting reimbursed for receipts dated after XX/XX/year>. 

Current account balance is {$1200.00}. 

They sent me email on XX/XX/year>XXXX  stating that I have account funds access. Tried to request reimbursement today and still getting denied.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my account. Its a total of 5 that i never did. Ive been having only one credit card and i never tried getting another one. I suspect someone used my identity to try and get a credit card under my name. Heres the information on the inquiries. 

XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dont recognize any 5 of those inquiries.
Product: Money transfer, virtual currency, or money service

I have mailed XXXX municipal bonds that has been stamped and endorsed with an instruction letter along with supporting documents through certified mail to New York XXXX Bank XXXX on XXXX. The tracking number is XXXX. After no response I called and emailed and still today I have no response. The reason I sent the bonds to them is because they are the indenture trustee for the following companies and on the companies XXXX forms you can find the agreed indenture between them. By XXXX XXXX being the indenture trustee they have fiduciary duties, per Trust Indenture Agreement, Trust Indenture Act XXXX to act on my behalf that is why I sent in writing an instruction sheet. I am seeking monetary relief. I want them to wire transfer my remittance to my treasury direct account so I can also reduce the national debt by doing so. In the instruction letter it states that the companies that they are in an indenture agreement with have not only been keeping my securities interest but also charged me as if it wasn't already paid for by the treasury. I am not only reclaiming all rights to my securities interest from the following companies XXXX XXXX XXXX, XXXX, and XXXX XXXX but I also want repayment from XX/XX/XXXX remitted to my treasury direct account. The totals are for XXXX XXXX, for XXXX XXXX XXXX both accounts total XXXX, XXXX XXXX XXXX XXXX. I have included in the Certified mail the supporting billing statement up to XX/XX/XXXX. I have also included the additional charges I have received since mailing the instruction letter and no action has taken place. I AM SEEKING MONETARY RELIEF. Which is to be remitted to my treasury direct account. I have attached the instruction letter that was mailed.
Product: Credit card or prepaid card

Thank you for reading my complaint. 

When I was buying a plane from XXXX XXXX website, I saw a button to apply for XXXX XXXX credit, powered by AMEX platinum. The ads said it's instance apply and install paying and I can use the new credit card to pay for my XXXX plane ticket. The credit card does come with a membership fee but I thought it worth it since I was purchasing a XXXX plane ticket. 

However, the website froze as I clicked the button. I received an email saying applying succeeded but I still can't the purchase the plane ticket. I called AMEX and they said the new account department was closed. I called the next day to AMEX and they said I can't use the instant card to pay for my plane ticket. I have to wait for my new card. 

I ended up paying for the plane ticket with another card. I called AMEX and XXXX later on. AMEX said I won't get the reimbursement, have to pay for the card membership. XXXX said I can't cancel the previous payment and use my new card to pay. 

Because it's the website froze, technical problem, I think either XXXX should switch the payment to AMEX or AMEX should return the reimbursement as it said on the website.
Product: Credit reporting or other personal consumer reports

It has recently come to my attention that several new requests for credit have been submitted using my personal information. I am the victim of identity theft and fraud. 
My personal information has appeared in data leaks through XXXX and TransUnion, and I have been notified that my information has also appeared on the dark web. 

The following accounts have been attempted to be opened in my name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX