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

In the past when I financed an Auto Loan, Full Coverage was mandatory. Now that there are online options, this is no longer a requirement. Unfortunately I learned that I did not have full coverage after the car was totalled and filed the claim that Capitol One does not work with online Insurance providers ( XXXX in this case ) to ensure that when a customer applies for online insurance, they are not required to have full coverage anymore, even though the Auto Loan is financed. 

This was never the case and I have owned and / or leased 5 cars and we could not even fathom driving an Auto that was financed and not be fully covered. 

Hence this was rude awakening and I am payting the XXXX on the car, that is totalled, sitting in my garage. 

I am writing to ask that you look into this to ensure that other customers are forced to have Full Coverage, even when applying for insurance onlines. And that Auto Lenders are also required to protect the consumers by ensuring their VIN numbers are flagged.

Capitol One does not have a meaning full check in place to ensure they are covered and their consumer is protected. XXXX completely makes out because they do not have pay for damages. Capitol One claims that the check they have in place is to send a letter. They sent a letter and my address was input incorrectly so I never received the letter. And there was not another follow up so Big Banks and Insurance Companies win, Consumer does not get meaningful protection. 

So I have a totalled car sitting in my garage that I owe $ XXXX on. XXXX wins, they do not have to pay the damages. Capitol One wins, I am still forced to make payments and I know from experience, working at XXXX, XXXX, XXXX XXXX, XXXX, the goal is sales and the User Experience flows are not tested and this appears to be deceptive on purpose. XXXX could fix this and Capitol One should demand it. 

Consumer loses, they were not protected at the onset and didn't understand that full coverage was not required for an Auto Loan and assumed they were covered. I have had 5 auto loans and it was impossible to obtain insurance, when financing, other than full coverage. The new Digital Experiences find work arounds and hence, I would like this to never happen to another person. 



XXXX online website should be tested and user flows verified for many scenarios : Adding new insurance on a car that is financed should require Collision insurance. The Vin # should be flagged and if a customer tries to add insurance and does not select collision, the customer should not be able to proceed to obtain coverage. I had a Capitol One Auto loan and my daughter set up the insurance. I thought she had collision, because in my previous purchases of Automobiles with Outstanding loans Collision was MANDATORY. XXXX has found a way around with the gap in the online policy purchases
Product: Credit reporting or other personal consumer reports

Im disputing the false late payment reported on my XXXX XXXX account ( # XXXX ). Ive always paid on time, and reporting this as late is completely unacceptable. Under 15 U.S.C. 1666b ( a ), creditors are prohibited from treating on-time payments as late, and this false reporting blatantly violates that law. On top of that, the FCRA, under 15 U.S.C. 1681e ( b ), demands MAXIMUM POSSIBLE ACCURACY, and this inaccurate information proves that hasnt been done. Since I already disputed this before and it still hasnt been corrected, its a clear violation of FCRA 611 ( a ), which requires a proper reinvestigation. Continuing to ignore these laws is willful noncompliance under FCRA 616 and 617, meaning I can claim up to {$1000.00} for every single violation. This false report is damaging my credit and causing unnecessary stress. I expect this late payment to be removed immediately, the account updated to " Paid as Agreed, '' and a full explanation of how this was verified along with proof of correction sent to me without delay.
Product: Checking or savings account

Hello there, I am trying to open a checking account with Chase Bank as I already have an investment account with them ; however, I am unable to open a checking account as I get a message saying that this product is not available in your region because of my Hawaii address despite the fact that I already have an investment account with Chase as I plan on investing in stocks for my future. Also, I have scheduled a phone appointment with a personal banker to try and see if they can open a checking account for me over the phone and said that I needed to come in to a branch as my personal banker said that additional verification is required which requires me to physically be in a Chase branch. The issue is I live in Hawaii which is a paradise state that doesn't have any branches of the big banks which means I can only open an account online as there are no Chase or big banks branches in Hawaii. Furthermore, I can also confirmed that I have already updated all of my information on my credit reports for all of the 3 major credit bureaus as I have no issues opening a bank account online from other banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Chase account reporting on XXXX  and XXXX  that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with Chase, XXXX, and XXXX and they have failed to remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate and misleading information on my credit report. XXXX XXXX XXXX has a collection reporting on my credit report As a open but they haven't Provided payment history. They also have listed the last payment date for last year but are currently reporting a late payment at 120 days that makes no sense. This account is Fraud its a Volation of the fcra and the FDCPA. I have a strong case. I'll be more then happy to take this to court and sue this company for the maximum dollar amount the court will allow which is {$10000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of an account listed as " ALLY CREDIT CARD '' on my XXXX credit report, reported on XX/XX/year>. Although the outstanding balance for this account is now {$0.00} and the status indicates " Transfer, Paid, Sold, '' the payment status continues to show as " Charge-off. '' Under the Fair Credit Reporting Act ( FCRA ) Section 611, I request an immediate investigation and correction of this information. Furthermore, according to FCRA Section 623, the data furnisher has a duty to ensure that all information reported is accurate and up-to-date. The continued listing of this account as a charge-off payment status is misleading and does not accurately reflect its current status as closed with a {$0.00} balance. Additionally, under FCRA Section 609, I am entitled to access and verify all information contained in my credit report, which supports my claim of inaccuracy.
Product: Credit reporting or other personal consumer reports

My credit data was leaked in the XXXX breach and my information was not investigated properly by Experian or XXXX. I disputed inaccurate information on my credit report. I request they remove all items listed in dispute letter attached and send documentation of methods used to verify the disputed information. And remove all old addresses and update address to : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

I cant even explain all this OK what happened was this my account was in the positive I didnt even have a card because I told them they were unauthorized charges and then I got a new card my card was in the positive and then I got a new card I havent use the account since that. The new card came and Im - {$120.00} then I havent use the account since then then all of a sudden its now - {$550.00} then today it was XXXX some dollars it doesnt make any sense and Ive lost hundreds of dollars on this Chime account and I need help and I dont know how to get a hold of anybody Ive contacted them and I get no reply
Product: Checking or savings account

My debit card was declined today XX/XX/19 for a {$5.00} purchase. I tried running this transaction with my pin number as a debt and also as a credit, both were declined. The problem was not with funds so I called the customer care number to try to figure out why this happened. When speaking to the representative her first response to why this may have happened was that she saw a flagged transaction on the prior Sunday XX/XX/19, but she was going to investigate more. She put me on hold to do so and when returning her answer was that she was unsure why my account was locked but that she had unlocked it. I appreciated her unlocking it, but it did not alleviate my concerns : 1. If a transaction was flagged on my account why was I not notified? She said that the particular transaction was ran and declined and then ran again with my pin which is untrue for it is a restaurant I frequent and they have never required a pin for a transaction. 2. If my account was flagged for suspect of fraud on XX/XX/19, why could I make transactions up until XX/XX/19 with and without using my pin? I love knowing that there are processes put in place in case an account is compromised, but with a delay like that there could have been massive damage occurred to my account. 3. How can this be prevented in the future? I would like to know that I have access to my funds and if something would happen I would like to know that I would be notified right away.
Product: Debt collection

on XXXX XX/XX/year> I received a Notice of Entry for a court day hearing on XXXX XX/XX/year>. However, I was never informed of this debt from LVNV Funding. I have no idea who they are or what debt they are claiming to be owed. They have never talked to me about owing a debt and I have never had an opportunity to dispute this debt or appeal the decision of this debt. The first and only notice of this alleged debt is a court date that does not state how much money is allegedly owed. Who they are and how they came about this alleged debt. They have provided me with no information about this debt at all. 

The company name is LVNV Funding XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Money transfer, virtual currency, or money service

I did a 3-month internship in the XXXX and opened a bank account at the XXXX CHASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX My salaries were paid into this account and when I left the XXXX to return to XXXX, I closed my account and asked for the funds to be transferred to my XXXX XXXX XXXX XXXX account in XXXX on XX/XX/year>XXXX XXXX XXXX XXXX. We never received the funds and despite emails and calls we were never able to get the funds transferred.
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 Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX  UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting

I urgently need Equifax to remove a XXXX account on my credit report, that is reporting as charged off. I have disputed several times already and spoken to XXXX who says they have not been contacted. I was denied a mortgage because of this on my report. XXXX and XXXX have both removed immediately but Equifax has still not removed. I spoke to Equifax on the phone they told me I needed to reach out to XXXX in order to have removed quickly, I called XXXX XXXX says they need to have a dispute from Equifax in order to remove. Both are waiting in the other and I need those removed immediately. XXXX says no dispute has been entered from Equifax. However when I call Equifax, they say I ca n't do anything because there is a dispute still in the process. This is my third dispute on this. I was an authorized user on someone else 's account but need to be removed as I am not liable for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Inquiries on my credit report not Authorized by me from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX and on XX/XX/2018 from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

I recently examined my credit report and found several accounts that I believe were incorrectly added without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full on XX/XX/19 in the amount of XXXX. I advised Equifax of the payment and requested that the account be updated. Equifax is still reporting this account as unpaid for the amount that has been satisfied. XXXX XXXX has been paid and is refusing to update the information with Equifax. It was paid to them directly and not to any third party.
Product: Debt collection

I received a letter dated XX/XX/XXXX from a debt collector named XXXX XXXX, XXXX relating to a XXXX XXXX account in the amount of {$2000.00} that was in my name but which I have never signed or accepted. I demanded verification of the debt and the only document received was a copy of the bill in my name that had been sent to me. Subsequently, I received a letter dated XX/XX/XXXX from XXXX XXXX XXXXXXXX, a letter dated XX/XX/XXXX from XXXX XXXX XXXX, XXXX and a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX, all seeking collection of the {$2000.00} XXXX bill. I have now received two letters from Jefferson Capital Systems XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX relating to the XXXX bill. I requested from XXXX XXXX a copy of the ''original document from XXXX '' to show who signed the XXXX account and never received any reply. Attached are the two letters I have sent to Jefferson Capital Systems , LLC one dated XX/XX/XXXX and the other dated XX/XX/XXXX which asks for verification of the debt. Jefferson Capital Systems , LLC never responded to my request to verify the XXXX debt. It has now been more than two and a half years and successive collection letters from five collection agencies to collect a debt that is not mine and as to which no collection agency has provided the documents that show who originally signed on the XXXX account. I consider XXXX XXXX ( XXXX XXXX XXXX XXXX, NJ XXXX ) to be responsible as well as all five collection companies that have not responded to my request and Jefferson Capital continues to harass me which I believe constitutes an ''unfair practice '' under Section 808 of the federal Fair Debt Collection Practices Act. I am happy to provide additional documentation to the CFPB relating to my responses to all of the companies listed in the attached letter dated XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to an inadequate customer service and unfair practices, which violates 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
Product: Debt collection

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : WESTLAKE FIN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} Reason : Identity theft Please remove it from my credit report
Product: Debt collection

This company has been sold to multiple companies and keeps getting reinserted on my consumer report. This is a violation of my consumer right.
Product: Credit reporting or other personal consumer reports

XXXX ALLEGEDLY OWED : XXXX opened on : XX/XX/2018 I have not opened a credit card account with this company. I have filed an FTC report along with this complaint.
Product: Debt collection

The company XXXX XXXX XXXX did not give me the opportunity to dispute. I did not receive enough information to dispute regarding this debt. They are in violation of the Fair Debt Collection Practices Act 15 USC 1692C and 15 USC 1692d ( 1 ). Remove this account immediately from all of my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that isUNKNOWN to me : XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX and XXXX XXXX  made 9 unauthorized charges to my Capital One Checking account. These transactions occurred from XX/XX/21 at XXXX hours to XX/XX/21 at XXXX hours. Two of the transactions were for {$1.00}, and seven were for {$1.00}. The debit card that was used for these transactions has never been used by me and has always been kept under lock and key, thus it is likely that a data breach at the bank is how my debit card numbers were likely obtained.
Product: Credit reporting or other personal consumer reports

I have a {$900.00} medical bill on my credit report that has been sent to collections without any notice to myself about the debt. It is out of Texas and I live in West Virginia. I'm not even sure what the medical bill is for. It's my understanding that medical collections first must contact you and are not allowed to put medical on your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have inquiries on my credit reports that I've never authorized. I don't have any accounts with these companies and these so called inquiries are affecting my credit score. Here 's a list of the inquiries that I didn't authorize. : XXXX XXXX XXXX  via XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/ XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I need to remove these inquiries so my credit score may increase.
Product: Debt collection

i got a call regarding debt owed for a rental agreement in XXXX georgia. i submitted proof that i have never been a resident at that address and copies of my prior identity theft information relative to that address
Product: Money transfer, virtual currency, or money service

I had unauthorized payment from my Zelle account. I contacted Zelle letting them know that I wanted that payment stopped, they said they couldnt do anything and to talk to the bank. I explained to them at the beginning that the bank told me to contact them. 

Someone ran off with {$500.00} that was sent via Zelle, they had the email and the name but couldnt provide info, investigate, nor reverse charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXXXX/XX/XXXX.