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

XXXX XXXX!! Informed the company I have been out of work for XXXX XXXX  They put me on a deferred program. Immediately after the program ended they continue to demand payment. Informed them numerous times I am unable to pay at this because I have to pay back rent, utilities and other expenses while I was out of work. XXXX XXXX continues to call at harass numerous times each and every day including weekends Saturday and Sunday evenings. I am requesting both of these XXXX  XXXX accounts to be closed immediately and with a XXXX balance. 
Thank you for your time and consideration
Product: Payday loan, title loan, personal loan, or advance loan

I went to Lendmark financial in XXXXXXXX XXXX  and told the man who was helping that I wanted an auto loan, i mentioned auto loan at least 5 times to him. This person knew I was on a time crunch also he knew the company XXXX XXXX XXXX XXXX  that sent me there because he gave me a check to give them for sending me there. During the loan process the person kept having to start the loan over and over and having unseen issues, looking back it was a deliberate act! He kept blaming the computer and printer. Finally he produced documents and told me to take this. and this is what i could print out but to come back next week to fix it. He told me nothing about the percentage of loan because he told me to come back the following week. I called the following week as I lived 4 hrs away from this town which they also knew initially, then was told that I should have fixed it that day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in my FTC report, and letters to all XXXX credit reporting agencies regarding unauthorized use of my credit. Transunion will not remove the unauthorized inquiries. I even mailed in a response from a creditor ( XXXX ) that explained the inquiry was unauthorized and Transunion still would not remove it. The company pulled the inquiry itself. But credit reporting agencies have a legal duty to ensure information is reported accurately.
Product: Bank account or service

Bank of America is in default as of right now ; FAILURE TO SHOW VALIDATION OF ALLEGED DEBT FAILURE TO SHOW VALID CURRENT LAWFUL CONTRACT USING PERSONAL AND PRIVATE INFORMATION WITHOUT MY CONSENT, 2ND DEGREE FELONY Florida Statute XXXX, numerous legal notices, and notifications ignored, VIOLATION OF COMMON LAW COPYRIGHT, COPYRIGHT INFRINGEMENT PUNATIVE + ATTORNEYS FEES@XXXX PER HOURLY RATE X 46 HOURS total is {$770000.00} Bank of America has failed to rebut ANYTHING I have claimed, therefore they acquiese in tacit procurement and I am starting administrative process for a non-judicial process known as a commercial lien for damages and violations they have committed
Product: Credit card

On or around XX/XX/XXXX I had applied for a Goodyear Tire card thru XXXX in which CitiBank is the provider. I had received an adverse action letter dated XX/XX/year> which stated that I was denied due to Insufficient number of accounts. So I looked up the term Insufficient number of accounts in which it stated : you don't have enough credit accounts on your credit report to meet that lender 's qualifications. I tried to contact CitiBank for a reconsideration after I looked at the credit report that they pulled from which is XXXX. Citicard does not have any way to reach an application manager for a reconsideration. I believe CitiBank adverse action letter is incorrect due to the credit report that was pulled from XXXX which shows 40 accounts in good standing along with over 5 years of average history. to me that doesn't not seem like a insufficient number of accounts.
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested.

Your agency is in violation!

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. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 XXXX 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 XXXX 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 or other personal consumer reports

I have listed the account on my letter along with a ftc report. I have been victimized by the fact that someone stole my identity with no consent being granted. Im requesting that my documents be examine & also mailed a updated credit report.
Product: Checking or savings account

Fulton Bank : We have opened an account at Fulton bank for a non profit. First check is deposited and then we saw negative charges. No communication from Fulton bank except after 12 days- negative balance due to account got overdrawn. Well, they should have sent a message/communication immediately with returned check ( or bounced check ). 
Fulton bank, sent letter 12 days letter and also did not notify about check bounced back. This is all for non profit and good cause. The current process need to be audited for regulatory reason as well. 
1. Bank - business support associate did not know where about the check. XXXX told me to contact XXXX support. Support told me to contact local branch. XXXX works at local branch. This is not a broken process 2. Bank never sent me letter or copy/image of check that was returned XXXX. 12 days letter they send letter saying account is overdrawn but no words that says why 4. Manager XXXX at XXXX XXXX location : kept saying you should use online bnanking otherwise you will have to wait till end of the month to get the account statement and it will show returned check. 
This need to be investigated. I am getting charged because of bank ; s policy of not communicating properly.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 


Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the XXXX XXXX XXXX XXXX seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under XXXX XXXX code XXXX and XXXX XXXX code XXXX ( b ) ( XXXX ). 
I am aware that they each have XXXX days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( XXXX ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

I've been paying being garnished out of my check for co-signing for a car for somebody else I have been paying ever since 2015 they keep switching lawyers and the price in the attorney fees keep going back up keeping me at a balance of {$9000.00} which never goes down but they're not recording all my payments since 2015
Product: Mortgage

In XXXX of XXXX after filing another Complaint see XXXX with CFPB. 

I was approved for the XXXX XXXX XXXX XXXX After months of underwriting I signed Document for this Federal Program on XX/XX/XXXX. The Default amount was not paid to Gregory Funding, HAF stated Gregory Funding LLC is refusing funds. Gregory Funding says HAF never sent money, I have received another letter with Intent to foreclose if not reinstated by XX/XX/XXXX. I was approved for up to {$60000.00} and a lien has all ready been put on my property. This would included all reinstatements, plus I was approval for additional 12 months of Mortgage payments through this Oregon Housing Assistance Program. 
The Amount on my mortgage statement on XX/XX/XXXX was {$14.00}, XXXX to reinstate loan. 
HAF says a payment of {$10.00}, XXXX was disbursed on XX/XX/XXXXXXXX XXXX XXXXXXXX which was refused by Gregory Funding LLC on XX/XX/XXXX {$1300.00} for XXXX Payment XXXX was excepted ID XXXX on XX/XX/XXXX {$1300.00} for XXXX Payment XXXX was excepted ID XXXX on XX/XX/XXXX {$1300.00} for XXXX Payment XXXX is still pending no explanation no further payments made by HAF. they say Gregory Funding is refusing, or account number has changes or its an internal issue. Each month is a different excuse. 
Gregory funding says they received an XXXXXXXX  on XX/XX/XXXX from HAF saying a payment of {$11.00}, XXXX was on the way. This was never received. The amount due on my Mortgage Statement at that time was {$16.00}, XXXX XXXX Escrow shortage. to date total Due over {$24000.00}, XXXX .... This programs is part of the CARES ACT
Product: Prepaid card

Data breach of information, no live agents to speak with for discrepancies.
Product: Credit reporting or other personal consumer reports

I have tried to get these accounts remove from Equifax report, they are reporting inquiries that are fraud. I have sent them the FTC report and police report stating that it is fraud But them refuse to remove them. Ten times, I have disputed inquiries from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XXXXThese accounts are FRAUD!!!!! and are not mine. Equifax is govern by 15 USC 1681, they have violated my rights numerous times and I demand that these accounts be removed from my file. They continue to violate the truth in Lending act as well as the fair debt collection practices act. They must get paid by keeping these items on my report ......
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in my identity theft report several times to XXXX XXXX and Experian asking them to block and remove these fraudulent accounts of XXXX  XXXX XXXX XXXX  XXXX. XXXX and XXXX XXXX- XXXX. These is in violation with us code 1681c 1681c2. Block of information resulting from identity theft ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Vehicle loan or lease

I paid off the end of my lease which was {$1200.00} at the beginning of XXXX so in order for me to get the title i have to pay {$3600.00} which is fine but they want me to pay it up front which i do not have that kind of money to do that i can not get refinanced through westlake portfolio management because of my credit i have called numerous time askin for more time one time i called a lady said yes they would work with me im like ok i calls back again another lady is telling me they can not work with me and was very rude about it and before they took over for american car center a while ago i asked about this if i wanted to purchase the car how long did i have to pay it off they told me 6 months this company has a lot of people there they give different answers each and everytime i call i just wanted till the end of XXXX to pay this off i really dont feel like that should be a problem
Product: Checking or savings account

Last time I remember, in XXXXXXXX 2024, I noticed that I had been charged overdraft fees by Navy Federal Credit Union. One of the amounts was {$40.00}. I contacted the bank to inquire about the charges, and they said that happened because my funds I spent were pending and that it charged again for my next few purchases. I told them I didnt receive a notification letting me know my balance was so low that Id risk overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX received my payment of {$1400.00} on XX/XX/2018. XXXX   has investigated and has updated my credit report and credit score. 

XXXX and Equifax has not been updated by XXXX. Disputes were submitted, but results aren't complete. XXXX is refusing to report my payment to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Experian missed my Mortgage and Auto loan.
Product: Checking or savings account

Employment Direct deposit- Have not recieved my funds from deposit date XX/XX/2023.
Product: Vehicle loan or lease

on XXXX I was in a car accident. I had gap insurance for the vehicle, which paid off the remaining vehicle on XXXX. I have a check from Gap insurance stating it went through on XXXX amounting to {$4600.00} check number XXXX. I also have emails from Gap insurance it was paid off to Ally back. I have called over the years as it still affected my credit. I am trying to buy a house.
Product: Checking or savings account

I had a rental car with XXXX. I got into an accident with another driver who was at fault that rear ended me. XXXX wanted a deductible of {$300.00} and started to take different portions of deductible from my Wells Fargo checking account without my authorization on XX/XX/XXXX( {$50.00} ) and XX/XX/XXXX ( {$50.00} ) .XX/XX/XXXX ( {$100.00} ) then the payment stopped when I cancelled my card but I never received the refund. 

I had gotten another rental with XXXX after the rental from XXXX was again rear ended by another driver at fault on XX/XX/XXXX. XXXX took out {$120.00} on XX/XX/XXXX without my authorization from my Wells Fargo account due to fuel fee. Although the rental agreement was followed on my end and i have documentation of the time of the fuel amount and the date of the car was returned. Not to mention the car was paid daily under Progressive claim number XXXX. 

I started a claim with Wells Fargo on XX/XX/XXXX. Wells Fargo refunded {$320.00} the next day. Wells Fargo also requested proof of payment on these transaction which I provided on XX/XX/XXXX. Both XXXX have received their payments from the insurance company of the driver at fault ( XXXX ).  XXXX was paid by my insurance company ( XXXX ). So there was no reason that I would have to pay these charges again myself. 

I received a letter from Wells Fargo dated XXXX but received XX/XX/XXXX stating if I did not send the documents then they would take the credit off. Wells Fargo claims they have not received the documentations that I sent in, although I have proof that they were sent in way before the deadline. Wells Fargo added the total {$320.00} charges back on my account on XX/XX/XXXX. I called on XX/XX/XXXX explaining I had sent the documents requested in via email that was provided by the claim department. I spoke with the president 's office, which saw that I sent the email on XX/XX/XXXX and opened a case number XXXX although the claim department closed the claim on XX/XX/XXXX. Wells Fargo is being non compliant due to not willing to expedite their mistake and being discriminatory when I explained about my speech problem due to car accident. I requested for the representative of the president 's office to take a notation of my speech problem, still, the lady from the presented office continued to address me as ma'am instead of sir or mister. Then on XX/XX/XXXXI called Wells Fargo three times but continued to get hung up on back to back when I could barely get any words in with my stutter and speech problem. I then spent two hours and eleven minutes trying to get the claim re-opened but no one was willing to offer help. 

Wells Fargo has done nothing to help resolving the issue. They had showed poor management and poor customer service due to their employees own judgment and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
1. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
2. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
3.XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4.XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
5.XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
6. XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
7. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
8. XXXX XXXX  XXXX. 
Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
9. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
10. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
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. 

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