23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have had money in the spending account available since XX/XX/XXXX of XXXX  I previously had some transactions on this spending account that were not authorized and initially they were disputed and then denied eventually my account was frozen because I believe they thought it was suspicious activity. Its been well once over now and they gave me the money back, officially said they resolved my favor, but will not give me my money back. Ive asked her have explanations and people just kept telling me that they needed to go to another department reached out about definitely more than XXXX times and Ive been told that it was gon na be escalated. Someone would reach out and no one ever does. I always get the same automated script just to be told that it needs to be escalated. I have {$380.00} now and they will not give it back. I need it refunded. I cant add any debit cards to work all the money. I cant bank account with any money, and no one is giving me any information
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Update of Personal Information Dear Sir/Madam, I am writing to request an update to my personal information on my credit report. Ive noticed there are a few errors. Please find below my updated details : **Wrong Information : ** XXXX : XXXX XXXX XXXX XXXX : Nothing Listed **Right Information : ** XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Attached are copies of documents to verify XXXX identity and the changes requested : XXXX. Government-issued ID ( e.g., driver 's license, passport ) XXXX. Proof of address ( e.g., utility bill, lease agreement ) XXXX. Any other relevant documents Please update your records accordingly and confirm that these changes have been made. If you need any additional information or documentation, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your prompt confirmation of these updates. 

Sincerely, XXXX XXXX ---
Product: Mortgage

After purchasing a home with a VA loan my wife and I have received a number of refinance letters from American Financial Network Inc. We have never had any business dealing with American Financial Network Inc. and do not desire to. My wife and I both completed the opt out process at XXXX, as provided by the Fair Credit Reporting Act, on XXXX XX/XX/2021. American Financial Network Inc. has ignored our opt out and continued sending refinance letters. After giving adequate time for any letters already in the mail to be delivered we directly contacted them on XXXX XX/XX/2021 at XXXX XXXX. They agreed to stop sending letters. However my wife and I have continued to receive letters from XXXX, with the latest received today ( XXXX XX/XX/2021 ). Furthermore American Financial Network Inc. sends its letters in the format used almost exclusively by DFAS ( the military pay office ). They are deliberately copying this format to attempt to deceive veterans that their correspondence is linked to DFAS.
Product: Debt collection

This is the worse thing that could ever happen to me when they broke into my car they stoled my information and now Im really upset because this account is showing on my report as collection and past due and I had no clue until I got my annual report its frustrating base on act 617 and 616 if Im not the owner the creditor need to remove collection and all late payment from report ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Hello my name is XXXX XXXX XXXX. 
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : XX/XX/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
Product: Credit reporting

I went to annualcreditreport.com to get my free credit reports from XXXX agencies. I got an error message from Experian saying they were unable to provide the report online and that I should request it via phone or mail. After multiple tries on multiple days, I finally went to there site and was able to pay for my credit report online. I find it troubling that the free but legally mandated service is unable to provide me with easy access to the report, but that I can pay for it. Furthermore, when I tried to report this problem on the annualcreditreport.com site, I could not get past step two of three. Step 2 requires two multiple choice selections, which I made, as well as a written response in the " tell us more ... '' section. After trying multiple ways of filling the form out, I kept getting an error message that " Tell us more is invalid. Please try again. '' and could not make it past this page to submit my issue. There was no further contact information beyond a mailing address on the site.
Product: Consumer Loan

I purchased a vehicle from a dealer, XXXX XXXX in XXXX, VA, on XXXX/XXXX/XXXX ( XXXX XXXX XXXX ). I was in a rush to purchase a car after my auto ( XXXX XXXX XXXX ) was stolen outside of my apartment complex in XXXX on XXXX/XXXX/XXXX. The financing was taken care of at the dealer, and TD Finance was the lender. Two months later I realized that the rate on the loan was not very favorable so I decided to " re-finance '' with my employeer, XXXX XXXX XXXX. I entered into a contract with XXXX XXXX XXXX on XXXX/XXXX/XXXX and was told that while the rate was less, I would have to come up with {$750.00} as they would not re-finance the amount owed given their lending parameters. Doing the math, I still came out ahead so I sent in the funds to TD Bank, showed proof to XXXX XXXX XXXX, and the loan was established. Several months later, I notice I am still getting statements from TD Bank stating that I owe a balance of roughly {$980.00}. When I called TD bank to inquire, I was told that XXXX XXXX XXXX never received an authorized " payoff '' amount from them ( according to their records ) and I owe that amount plus any interest. I called XXXX XXXX XXXX and they said the got the payoff amount from TD Bank. The XXXX institutions are now pointing the finger at eachother and both are saying I need to come out of pocket with the funds.
Product: Bank account or service

Complaint against Wells Fargo Dealer Services, will not give payout on car loan, filed on my credit report repo on my car and deleqaunt on car loan not so now ca n't even get enough to refinance with another institute, many many phone calls, the rudeness is appalling and down right a personal attack.
Product: Credit reporting or other personal consumer reports

XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX  ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Equifax, XXXX ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled debt of {$1400.00} in order to file as ordinary income. Where is my 1099-C? XXXX is clearly writing off debt with the IRS without sending out XXXX as required by the IRS for XXXX greater than { {$600.00} }. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, Equifax, and XXXX are not an affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( XXXX ) ( B ) ( XXXX ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Debt collection

This Collection agency XXXX XXXX XXXX have been doing illegal activities before any legal matters get involved I would like to resolve this matter by them being removed from my consumer report. XXXX XXXX XXXX XXXX # XXXX Has been removed from 2/3 Credit Reporting Agencies due to its inaccuracies. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Below will be attached an FTC Report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries on my credit report, some of which I did not authorize. My personal information was sold while I was shopping for a mortgage, leading to multiple credit inquiries that have negatively impacted my credit score. I have already reported this fraudulent activity to the Federal Trade Commission ( FTC ) for further investigation. I've attached a list of all unauthorized hard inquires below.
Product: Debt collection

From XXXX XXXX, 2017, in three different Certified letters ( Attached ), I have requested for the " VALIDATION '' of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA from Lowes. They refuse to provide the necessary information based on above mentioned letter ( Attached ).
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, just recently obtained my credit report on XX/XX/XXXX. I noticed numerous unauthorized hard inquiries that did not have permissible purpose according to the Fair Credit Reporting Act. Anything furnished on my credit report must have permissible purpose according to 15 U.S.C. 1681b. See Exhibit A. 

1 ). XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 2 ). XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX, ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 3 ). XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, NC XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 4 ). XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 6 ). XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 7 ). XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX , ( XXXX ) XXXX This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 8 ). XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 9 ). XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 10 ). XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b
Product: Credit card or prepaid card

I disputed a charge on my card ( XXXX ) on XX/XX/2023 from a purchase at a cell phone retailer. They sold me a defective phone. The cell company customer service acknowledged it would be replaced, the physical stores are refusing to do it without charge. I spoke with a district manager and he committed to ordering me a new one but has since gone unresponsive and it's been over 2 weeks. 

The dispute I filed was for services not rendered and I expected an investigation. CashApp then denied the dispute within 24 hours without a reason. I requested for them to send me documentation and the documentation was vague and gave no reason. I called to get more information and they refused to provide it.
Product: Debt collection

XXXX FINANCIAL DATA SYSTEM XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reportinXXXX this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting or other personal consumer reports

The identified transactions on my federally protected consumer file are not transactions furnished on my consumer file by me. no consent is identity theft. these federal laws are to be followed and must not be broken and i have been violated of unlawful acts by equifax, XXXX, XXXX and the furnishers of this information. 15 USC 6802 obligations with respect of disclosure of personal information B ) ( 1 ) ( a ) ( b ) ( c ) never was given OPTIONS. they do not have no disclose form i have right to privacy. i have provided necessary documentation of federal consumer protected law which the cra is govered by. 15 USC 1681B ( a ) ( c ) ( 2 ) the unlawful act they have committed needs to be changed before seeking remedy in exchanged. This is the start if an administrative process if this identity theft of my NONPUBLIC personal information is not removed off the file. SEE ATTACHED.
Product: Vehicle loan or lease

Under the Financing Federal Law Section 15,16,35 it states that it is illegal for a financing company to require me to put a down payment on my car I bought. Since I am financing it, it's covered under the financing agreement. I am hereby requesting a refund of {$2600.00} that I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo HM Mortgage # XXXX has lates that I should not have. I started bill pay with XXXX XXXX to pay my mortgage and I did not know that they were taking 7 days to send it. On the XX/XX/XXXXlate I went into the bank and paid it Wells Fargo processed it like a cashier 's check which charged my bank an extra {$50.00}. All my efforts to get these lates removed have done nothing.
Product: Checking or savings account

I had account at chase bank for almost a couple years I just recently got a letter they going to close my account I called number on paper to find out why they didnt give me no answers I tried to open a new bank account but cant and I think its because something they wrote on my history and I dont know why. I havent written any bad checks or did anything fraudulent so whats going on?
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX  XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : 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 XXXXXXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

Late Start to Qualified Public Service Loan Payments ( 8 months ) The over-all problem is that FedLoans began my qualifying public service loan payments two months late because they were slow at getting their paperwork done. On XX/XX/XXXX, I filled out an IDR Plan Application on my federal student loans both with the FedLoan company and XXXX company who both service approximately half of my loans. I graduated in XX/XX/XXXX. I submitted an application to switch from IBR to REPAY in XX/XX/XXXX with the expectation my first qualifying payment for Public Service Loan Forgiveness ( PSLF ) would be XX/XX/XXXX as indicated on my billing statement with both companies ( Your first payment is due XX/XX/XXXX ) and per multiple phone conversations with representative at FedLoan. XXXX XXXX approved my REPAY plan XX/XX/XXXX and FedLoans on XX/XX/XXXX, therefore FedLoans had a three and a half months delay in getting paperwork done. I would like to add that there is no difference between these loans as documented in the paperwork provided. My XXXX Plus loans with both companies went from IBR to  REPAY and there should be NO difference in processing time. However, since FedLoans has taken significantly longer to process my paperwork, my first qualifying payment under REPAY is scheduled for XX/XX/XXXX instead of XX/XX/XXXX for the Public Service Loan Forgiveness Program. This means I will lose 2  months of qualifying payments and my grace period with FedLoans is 8 months. 

This could amount to a loss of approximately {$1600.00} depending on my income in the last two months of payment. I have called FedLoan two times since XX/XX/XXXX when I realized my qualifying payments for PSLF would be delayed. I have spent hours researching how to navigate the complicated details associated with student loan repayment and I have done my job to get the paperwork turned into you on time. If FedLoan is requiring me to get my paperwork done on time each year, FedLoan also needs to get its paperwork done one time. Over  the phone their excuse for delaying my public service loan qualifying payments was because I started making payments, while I was still in school. However, I am not sure why this loop hole has such an unfair consequence. 

When comparing the two companys ability to complete paperwork on time, it is evident that FedLoan is at fault for not processing paperwork in a timely manner. Therefore, I am requesting FedLoan to correct their error by granting me REPAY payments starting on XX/XX/XXXX.
Product: Credit card or prepaid card

I had a Chase XXXX XXXX  card which I closed when the annual fee hit. Chase has refused to credit/refund the annual fee in violation of both the terms of the card member agreement and federal law. Chase claims it will take 60-90 days to credit the annual fee back and that if I do not pay it now they will charge interest and additional fees on the closed account and report the account as delinquent to all three national credit bureaus. This is simply not allowed under law. Chase should immediately remove the annual fee - it does not take 3 months - they are only doing this to either ruin my credit or obtain additional revenue from the fee.
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 violated the Consumer Financial Protection Act ( CFPA ). Specifically Cashapp failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute solution process was unfair and deceptive, as they do not comply with error solution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E.these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Mortgage

I applied for mortgage with fifth third Bank. In XX/XX/XXXX. On XX/XX/XXXX I reminded XXXX XXXX XXXX that property was a lease hold. Association did not own land. My realtor said remind loan officer because some banks do not do loans on lease hold properties. Bank person did not seem concerned at that time. Continued with application. Paid {$390.00} application fee on XX/XX/XXXX. Posted to my XXXX XXXX account on XX/XX/XXXX. On XXXXor XX/XX/XXXX XXXX XXXX XXXX informed me that 5/3 bank does not do lease hold property loans. I had to start over with other mortgage companies. This was 5/3 banks fault. Info was on for sale data and I told them. They will not refund my {$390.00}. To me that seems like fraud. Why did they wait until they took my money to tell me they don't do land lease Mortgages. 
I want my money back. To me that is a lot of money.