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

I purchased a new XXXX XXXX pickup truck in XX/XX/XXXX. The loan was through Fifth Third bank. I provided proof of insurance at the time of the purchase making 5/3 bank the loss payee. In XX/XX/XXXX I started receiving notices that they could not confirm my insurance on the truck. I sent them the declaration page. XXXX I received another notice, same issue. This time I had XXXX XXXX send in all the insurance information as proof of insurance. For the next 5 months I continued to be inundated with monthly bills for unpaid insurance amounting to {$4600.00}. 5 bank was charging me approx {$1000.00} per month for what they call collateral protection insurance ( CPI ).  All along I am emailing them proof of my insurance. On XX/XX/XXXX, they repossessed my truck at XXXX, from my driveway. I received a threatening letter from XXXX XXXX and one from XXXX XXXX ( VP ) stating they have my truck and unless I pay the {$4600.00}, they will sell my truck at auction on XX/XX/XXXX. So i didn't have my vehicle for 2 weeks and this was a huge burden on my schedule and my family. The problem is the 3rd party insurance company they own has call screener 's so there is not just one person handling an account. When I tried to explain the situation to the bank, they blame it on the insurance company and vise-versa. In my opinion this is a scam targeting high end vehicles, because they know they'll pay off just to get the vehicle back. I did not pay them off and they realized that they had no legal right to sell my truck for an unwarranted claim. Then they said I had to pay the {$400.00} towing bill to get my truck back! Why? Fifth Third bank made a phony claim, why do I have to pay? They eventually dismissed all charges but the damage was done. When I got my vehicle back my keys did not work because the had a locksmith go to the impound lot the very next day and have keys made. When they did this my programmed keys were erased and my theft deterrent system is now damaged. I had to tow my vehicle to the dealer to fix it and that's where it is today. All this because Fifth Third bank tried to squeeze {$4600.00} out of me. This is a scam and needs to be stopped. I'll never deal with this bank again. I also informed the nationwide dealership to consider the loans they are selling to their customers because of Fifth Third Banks unscrupulous business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed and requested to delete or update inaccurate reporting information from Experian on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20 on XXXX acct. ending XXXX, XXXX XXXX XXXX acct. ending XXXX, and XXXX XXXX acct. ending XXXX, with the below statement so that I can verify whether Experian reports are accurate. 

" What does not make sense is the creditors provide all information to all 3 bureaus, but why your reports are different than others. I need to see paperwork or documents that are accurate including details that go over the exact methods and procedures used during your independent investigation, instead of what the creditors say. Unless you can verify the above accounts independently, please delete or update them immediately and mail me your updated reports. '' But Experian replied with their reports on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20 stating the creditors provided information was accurate without providing to me any supporting documents that Experian did in fact verified independently. 

I also attached ID and bank statement so Experian can verify that I directly submit and authorized this complaint against Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX & XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Attempted to transfer money to a confirmed recipient however, the monies were directed to a different person. In attempts to request a cancelation of the funds I was advised that there was no options as the transaction was final.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

In XX/XX/2019, I deposited {$10.00} and {$100.00} into PNC interest account XXXX. The funds remain on file with PNC. 

PNC is an institution that mails periodic statements to consumers. I did not receive a periodic statement containing the required information in Section 230.6 ( a ) of Regulation DD. 

In addition, in violation of Regulation DD, Section 230.7, PNC has not credited me with the interest promised in the account agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Student loans are being reported incorrectly.
Product: Student loan

Well In XX/XX/XXXX my loans went into default I had a job but was at the time XXXX in and out of shelters and finally was accepted into permanent supportive housing. Unfortunately I only had a low paying part time job which i was barely able to make ends meet and I had done forebodance previously and was planning on trying to do that again then was laid off from my job late XXXX and on XX/XX/XXXX I sustained a XXXX XXXX XXXX from a XXXX XXXX which left me unable to work for around 5 months during those 5 months I was undergoing constant medical treatment and XXXX XXXX XXXX XXXX and was only receiving benefits from the county falling behind in all bills and facing eviction I just as of this month XX/XX/XXXX have just now caught up on my rent and am getting into a more stable situation I though back in XXXX or XXXX I had done some sort of corresponding about my student loans and should definitely have been getting assistance with handling my important financial matters seeing as I did not have the XXXX XXXX at that time and actually still suffer from XXXX XXXX XXXX XXXX XXXX as well as a number of XXXX XXXX XXXX from the incident however I did not seek assistance and thought i was handling everything just fine however i was not and am still trying to stabilize financially. I do now have full time and gainful employment and am in a position to begin making payments however my loans are already in collections and I know i made my loan servicer aware of my situation at the time but i do not recall being given any information on options as far as payment arrangements or deferment and I could be wrong i honestly do not have any clear memory of anything for about six months after my injury but I now feel like if my wages are going to be garnished at a time when I am finally beginning to become stable it will force me into homelessness   and probably back to being unemployed I am considering bankruptcy at this time however this action has already started to happen and I just can not afford to take any loss in my income like the paperwork is saying. I now its my own fault but I was only living on my food stamps and a tax refund for over five months and still was not able to manage I do live in section 8 housing but unfortunately the timing of my injury and changes being made to adjust my rent took nearly two months my landlord was working with me thank XXXX but I have no room for any more falling behind i will be forced back into homelessness is there not any options available for me at this point or perhaps do I need an advocate of some sort to assist me? I can make payments within reason but i do have rent bills and am a single mother and i receive no child support whatsoever and my rent was just increased this month my energy bill was over a thousand dollars which i have spent the last two months paying off and now this. I am not avoiding the situation I actually would like to get the situation to a manageable level if at all possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with someone from early warning about accounts on there consumer site that does not belong to me anymore that was discharged from my chapter XXXX.. preventing me from trying to open an account ...
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, CashiApp 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.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

After not even 3 months of me having XXXX I was being harassed on my phone almost every single day when I was working with my health insurance and scrambling together the things that they needed so they could pay for my XXXX. 
I blocked the phone number and started receiving mail every single day and eventually just recently after my health insurance covered all my hospital bills I started receiving texts every 1-3 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, CERTIFIED CREDIT REPOR Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. The account in question is XXXX XXXX # XXXX date opened is XX/XX/XXXX. Since charged off the date of last activity has be inconsistently updated across all three credit reporting agencies, XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, and Experian reports XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account from my reports.
Product: Vehicle loan or lease

- In XX/XX/XXXX, Lexus Financial my leassor sent a check to XXXX XXXX XXXX Tax Collector WITHOUT notifying me as a customer. Lexus did not send any correspondence to my billiing address on file. 
- In XX/XX/XXXX, a fee in the amount of {$820.00} was included in my monthly bill. I immediately notified Lexus Financial of the billing error. 
= The agent informed me that it was Property taxes. I informed her of my XXXX  status and my vehicle registration in the state of Florida. She assisted me in making a request to the support center because the SCRA information was not annotated on my account. The inquiry was closed without further justification. I will attach the picture of the memo dated XX/XX/XXXX. 
- I followed up again in XXXX. This time I was informed that the process would be faster if I reached out to the county assessor and had them start the process. Lexus informed me their process normally takes 6-8 weeks. I informed them of my lease end in XX/XX/XXXX. I was affirmed we have time. 
- I worked with XXXX XXXX XXXX, whom acknowledged that this was billed in error and it would need to be submitted to their board of equalization dated XXXX XXXX, XXXX. Please see attached email pdf board of equalization. 
- XXXX through XXXX, I made a serious of phone calls to Lexus to check on the status to no avail. 
- On XX/XX/XXXX, I called to check on the status of the check. The agent explained, a request was never submitted but she would create one. She could see where a called and understood why I was frustrated but was willing to submit a claim. 
-Since this date, I've made a serious of phone calls and finally received an escalation on XX/XX/XXXX, however, I was told it would take 6-8 weeks from XX/XX/XXXX. I asked could they direct me to the tax or finance department but they stated there is not a direct line. I requested a mailing address to verify the check was sent to the right place however, the agent said, " The county should have it. '' I was baffled. I explained I needed to verify the address if she is stating they had not received the refund issued back to Lexus by XXXX XXXX XXXX. She reiterated, " They should have it ''. I told her that I had nothing further, if there was not another person or department she could transfer me to. She then confirmed there isn't. 
-These are deadend calls to an unknown agent that isn't willing to go beyond their script. Its absolute incompetence!
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX as put things on my credit that do not belong to me I believe I'm being targeted for some reason I see inquires that do not belong to me I see incorrect information like addresses and I tried to dispute so many times I sent in proof and still they will not delete the incorrect data they are forever selling my information and would like it to stop.
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. 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 and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate actions for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, XXXX, I spoke to my personal banker, XXXX XXXX, at Regions Bank in XXXX, Al. in regards to obtaining a line of credit for my business, XXXX XXXX XXXX XXXX XXXX XXXX referred me to her assistant, XXXX XXXX, who asked me for some specific documents regarding my business and then e-mailed me a few questions regarding my personal finances. I provided all requested information to XXXX on XXXX XXXX, XXXX in person at the branch location. I was not asked to fill out or sign a credit application. That same day, I received a credit alert that an inquiry was made to my credit reports. A few days later, I received a phone call from XXXX   stating that I had been turned down for a line of credit. I asked her why and she said she did n't have the information. I reached out to XXXX and still did n't receive any valid reasoning as to the turndown. XXXX rudely stated that I " needed to look at my credit reports more closely '' and also told me that " it may be  in my best interest to take my banking elsewhere. '' I have been a Regions accountholder both personally and with business for many years, I have above average credit both personally and business, I have had several loans both personal and commercial with Regions that have all been paid satisfactory, and there is nothing in my credit reports that should have any reasoning for a turndown. As of the date of this message, I have yet to receive any correspondence from Regions stating the reasoning behind the credit turndown and when I asked to see my credit report/score at the bank, I was told that I could obtain my own online. I ordered all 3 credit reports and see no issues. I monitor my credit monthly through an outside agency, so I already knew there were no issues and my score is more than acceptable. Since this happened, I have been treated disrespectfully by these two employees and have since noticed my various accounts being charged monthly fees, etc that I have never been charged in the past. I have reached out to a corporate executive within Regions Bank that I had prior dealings with several years ago. She has acknowledged receiving my correspondence about wanting to discuss a complaint but has not gotten in touch with me yet to discuss it. I feel that for some discriminatory reason unknown to me, I have been denied credit at this bank that I have been a loyal customer to for many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : XXXX. XXXX XXXX NA, Inquiry Date : XX/XX/XXXX XXXX. XXXX, XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you written permission or my consent to furnish this information onto my credit report or consumer credit file. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. 
Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes. 
Furthermore, I also demand you, produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without Recourse UCC 3-415, All Natural Inalienable Rights Reserved