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

On XX/XX/XXXX I leased a new XXXX XXXX XXXX  from XXXX XXXX in XXXX, TX. The lease was financed through Honda Financial Services. At the time of leasing the vehicle the finance person representing HFS, offered me two warranties that were added to the contract totaling an extra {$2800.00}. On XX/XX/XXXX I called the warranty companies and canceled both warranties. I was told by the warranty companies the refund would go to HFS and could not be released to me. After receiving the full refunds on XX/XX/XXXX HFS then applied both refunds to a security deposit and refused to apply the refund to the balance of what was owed on the lease or return it to me. After being put on hold for an average of 45- an hour each call and after over 6 attempts to get HFS to apply this refund as it stipulated in the contract, I sent them a certified demand letter on XX/XX/XXXX. This month I was sent a message on the HFS website stating my account was paid till XX/XX/XXXX. They have begun applying some of the refund as the monthly payment but still refuse to apply the full amount to the account. I am requesting the full amount be applied to the balance of the lease now or be refunded to me.
Product: Checking or savings account

In XXXXXXXX XXXX XXXX, Cash App and its Parent Company Block, hereinafter Cash App failed to secure my account to include my Bank Account and Credit Reporting information. Thus, my account was hacked and over {$1000.00} stolen from me while I was working for Synchreon ( A XXXX XXXX XXXX for XXXX XXXX ). I contacted XXXX XXXX to inform them that the transactions were done without my approval and they investigated these claims. Their investigation took XXXX months. In that timeframe I was wasnt given provisional credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$640.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$230.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX Balance Owed : {$210.00} ; XXXX XXXX XXXX XXXX : {$380.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$960.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX Balance Owed : {$900.00} ; XXXX  XXXX BalanceOwed : {$5200.00}.
Product: Checking or savings account

I was banking with, Chase aka JP Morgan bank, I had them as my main source for XXXX transfers and for direct deposits from my job. On XX/XX/2023 at XXXX I realized that my check wasnt in the chase account, I called chase immediately and a young girl picked up the phone and asked me for my info and the reason of my call and I advised the young girl about my direct deposit from my job, where is it? Then she was like, let me look into your account to see whats going on and she placed me on hold and then comes back from me being on hold and starts reading a script on her end with a nasty attitude and she told me that chase no longer banking with me and that she doesnt have to give me any explanations on why chase closed my account, she stated that she isnt obligated to tell me whats going on and that she doesnt have to answer to me or any other questions because we are no longer associated with you. I then told her that I wanted to speak to a manager because WHERE IS MY DIRECT DEPOSIT and she was still very nasty, the manager came on and totally wasted my time and hung up on me I call back and another chase rep says the same and also states theyll be sending out a cashiers check if theres a check and I dont want a check I want my money! I then went into the branch and a banker calls the back office and tries to help me get my paycheck from my job and they were telling the banker that only a branch manager can grant me my paycheck banker tells back office that branch manager is out for tthats my only source of income and they kept apologizing but yet not fixing the issue, I was advised by XXXX from the branch of chase to go to another branch of chase on XXXX XXXX FL I get there, I asked for the branch manager she comes out and I explained and expressed to her what was going on, that my deposit is in the supposed restrict closed account and with {$1900.00} in IT. Long story short the branch manager could not help me and now Im in the whole with rent light & water bill lack of sleep, food, XXXX, and the XXXX XXXX. Chase wont give me my money back and I want and need it now for bills and people that need to be paid. What chase is doing is complete FRAUD. Theyre holding money that does not belong to them and that is a problem by law!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I reached out to Capital One/ Walmart Card about a late payment on my credit report as I notice I was late I immediately paid the entire balance and contacted Capital One to ask if they could remove the late payment and offered to setup automatic payment to avoid this from ever happening again and got nowhere over the phone so I sent a good will letter and still no answer
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX in XXXX took my debit card for sushi within hours i believe someone there took my debit card # s set up a cash app in my name and stole {$300.00}. Chase would not return because of a possible fraudulent charge in XXXX that was not fraudulent and unrelated. They gave the {$19.00} money back on the XXXX debit to XXXX which was not fraudulent and said they would not give me the money back on theft of my card # s and CASH APP scam of {$300.00} which i reported immediately. 

Their contention was because I thought a charge may have been farudulent and wasnt in XXXX that 60 days after that they are not responsible for any fraudulent charges made after 60 days. A way for them not to pay out on theft of my card even though i reported the theft with in hours. A bank that has trillion of dollars allows your card to be robbed and will not return the funds. It seems as though my money is not safe with chase, in the cyber word people can steal your money electronically easier than from your pocket.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Care credit  is reporting I applied for credit 3 times in one day and I did apply one time with care credit that has been verified by care credit in their database, but XXXX shows an inquiry three times with the same code and will not remove it after 9 attempts through calls and letters. 

Two weeks ago I get contacted by XXXX XXXX telling me someone had open a fraudulent bank account under my maiden name using the address where I grew up, not realizing I have been married for many years and have not lived at my parent 's address for over 30 years. XXXX XXXXXXXX thought I may be on the dark web since they did not have any of my current info. 

Also XXXX XXXX closed the accounts I had with them because of this situation, which was unfair to me and that affects my credit. 

A charge off for an account I never had by a company called XXXX has never been removed from my file. 

Recently I see an inquiry from the XXXX XXXX in XXXX XXXX on XX/XX/2021, that I have no idea where it came from because I have not applied for or been in XXXX.
Product: Mortgage

I am XXXX years old with XXXX children. My home is also attached to the only income I receive. I have lost renters, had to do several repairs on the apartments and finally have all my unites filled with constant payments. I understand that I have had XXXX modifications before and that my mortgage company has tried to help me. I finally have faithful tenants and am asking for one more chance to make this right. I know I can pay the mortgage now and I have complete faith in my tenants to make sure my payments are made on time. I submitted a review package for assistance with proof of my hardship and they would not even forward to management to be reviewed. They simply told me no. I do not feel as a account manager and them not loaning me the money they have a right to deny me without proper review. I do now want to lose my home and my only of income as I do work. My husband use to handle all of this before passed and I am now dealing with it and can manage much better than I did before if given an opportunity. Please help me any way you can. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : I have no reasonably fast way to unfreeze my credit with TransUnion I have been able to unfreeze my credit with XXXX and XXXX, but not with TransUnion. 

I froze my credit years ago with all 3 credit bureaus. At the time, I obtained a PIN for each account. 

***I AM REFINANCING MY HOME AND THIS IS AFFECTING THE RATE I WILL PAY TO REFINANCE AS I CAN NOT UNFREEZE MY CREDIT*** XX/XX/21 : I go to TransUnion 's website to unfreeze my credit report. I have a username and password. TransUnion requires a temporary pin to be sent to an email address to login. They do not send the temporary pin and I end up having my account suspended trying to login. 

XX/XX/21 : Email is sent by TransUnion telling me how to unlock my account. I have to email them a copy of my ID, but first you have to call them to get a reference number. I call to get a reference number but they have no available associates. I have not received a call back through their automated system and there is not reasonable way to reach them. 

XX/XX/21 : My credit is still frozen with TransUnion. My account is still locked. There is no way to reach anyone in a reasonable amount of time. This is an issue for individuals having technical difficulties with TransUnion and is resulting in individuals not being able to access their credit in a reasonable amount of time. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX within the time permitted by law. Below are the accounts that are still reporting on my report : Late Close : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Late Open : XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$4900.00} Date XXXX XXXX XXXX XXXX Balance : {$2700.00} Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 30 60 ) days late on the XXXX/XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

he class action multi state settlement includes my loan repossession I have called XXXX XXXX attorney generals office for both the state I reside and sate I resided at the time. The settlement XXXX I get ran through circles and told I just have to wait no timeline given. Currently trying to obtain a mortgage and this is XXXX on my credit. I have been trying to get a resolution for weeks and its so frustrating and disheartening. I have obtained a copy of the judgment to attach to this if I dont qualify for the deficiency wavier I would atleast like an explanation as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

A old debt still remains on my credit report, Account Name XXXX XXXX Account Number XXXX Account Type Revolving Bureau - Equifax Date Open -  XX/XX/XXXX High Limit - {$7600.00} Monthly Payment - Account Balance - {$52000.00} Last Reported - XX/XX/XXXX Account Status - Charge - Off Amount Past Due - XXXX Account Designator - Authorized User
Product: Credit card or prepaid card

I quit my pt job with XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX. Hired by XXXX, XXXX XXXX in XXXX. I never asked for a paycheck card. The company did this when I wanted to use my own account. I was told it charges alot of fees. Anyway when I quit last month, I asked where was my money. It was on XXXX XXXX XXXX XXXX XXXX XXXX. I got the money but in checking my balanced it said if you dont cancel fees would continue to be charged. So with XXXX left on my card, I called XXXX XXXX to ask XXXX and XXXX to cancel my card. They said they could not. Both sound foreign or something not right. 

My card number XXXX XXXX XXXX XXXX 3 digits on back XXXX XXXX email XXXX XXXX XXXX XXXX, XXXX va XXXX XXXX Why would XXXX provide these fraudulent cards to employees and tell you that you might not get all your money off the card. Online people have lost whole paychecks. so I'm lucky I got my money but why do they need to keep my card active. I dont work for XXXX anymore please advise. Thank you.
Product: Debt collection

Ive reached out to XXXX  numerous times and theyve fraudulently added charges and kept a line on my account for years! I sold my XXXX XXXX to a man whom I have messages from validating this sale. Shortly after I sold my watch I called XXXX to remove that line and they NEVER did. Theyve have fraudulently placed this on my credit and Im owed hundreds of dollars from XXXXI only had three lines after selling my watch! On top of that their DATA BREACH included my social security number and I received an alert that my social was on the dark web. This has effected my credit and Im reaching out for legal counsel.
Product: Checking or savings account

CITI Bank has paid us a promotional cash bonus of {$700.00} in 2020. At the time, CITI Bank stated that this payment of {$700.00} will be reported to IRS as either XXXX or XXXX. 
However, CITI Bank never sent us a copy of the XXXX form they filed with the IRS. After repeated requests, CITI Bank still failed to send us a copy, delaying the filing of our tax return.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate : I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate : XXXX, XXXX, XXXX
Product: Checking or savings account

On XX/XX/XXXX I opened a savings account with Ally bank online utilizing a 'refer a friend ' program link. Ally bank confirmed my enrollment in the program under the email XXXX and confirmed opening the savings account ending in... XXXX. 
In order for myself and the referring person to receive the bonus ', I had to start a qualifying monthly automated recurring transfer within XXXX days of opening the account. This was also email confirmed by Ally and set to make an initial transfer on XX/XX/XXXX. The requirements stated that once XXXX back-to-back monthly automated recurring transfers were completed, my {$100.00} welcome bonus and the referrers {$50.00} bonus would be deposited within 30 days of that third completed transfer. 
I initiated a Chat on XX/XX/XXXX ( at which time I had completed XXXX transfers ) ( XXXX, XXXX, XXXX and XX/XX/XXXX ) and was told I had met all the requirements and should be receiving the bonus shortly. I followed up again on XX/XX/XXXX and was told the same. On my XXXX followup ( XX/XX/XXXX ) I was advised that 'the program was so successful that they were a few months behind, but I should receive the bonus shortly '. I asked to be escalated to a supervisor, and was told that I would receive a call back from XXXX. I did not. Follow up # XXXX, on XX/XX/XXXX and the representative said the account had NOT be escalated up to a supervisor but that she would do so. She advised I would receive either a call or email and I advised her that I would wait another XXXX weeks and if I did not receive a response from Ally, I would file a complaint. 
SO here we are -- XX/XX/XXXX -- almost XXXX months later and still no bonus ' have been issued. I believe Ally used this program to deceptively encourage people to open accounts with them. As outlined above, I have made a number of attempts reaching out to Ally to resolve the issue to no avail, so I am hoping a reach out from you will help to resolve. 
Thank you.
Product: Credit reporting or other personal consumer reports

In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. With account being closed and the furnisher is not responding to my dispute I request that the account is deleted due to all of the inaccurate information in the following fields : Account #, date last active, Payment History, Past Due, Payment Status Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time however seeing as I haven't been receiving my statements its nearly impossible for me to know the accuracy of the payments received. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1666b ( a ). I have not received a statement to my address on file as is a requirement under the law. 

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below XXXX XXXX XXXX XXXX XXXX I have attached a copy of my ID and billing statement for verification purposes.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, Ex-sponse, XXXX was told, XXXX XXXX XXXX Accepting Car will continue to belong to XXXX XXXX the Co-owner, so order. I asked Nissan Motor Acceptance to remove him as the Owner. I had been reaching out to them to update this information since XX/XX/XXXX. I told them he Closed our Bank account and stop supporting our XXXX from XXXX XXXX To XXXX. That's when my Alimony Benefits started XXXX late.Then I had a started part-time job @ XXXX XXXX XXXX XXXX XXXX , In XXXX XXXX XXXX  ( Laid off ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I continued to pay on my Car. I just need his name off on my Car.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer are being violated I disputed inquiries that are reporting on my consumer report and transunions Response is that They will conduct an investigation and send me correspondence with an explanation of their results which never happened. 15 US C 1681 States that the banking system is dependent upon fair an accurate credit reporting. And what is happening here is not an example of that.

15 US C 1681B ( a ) ( 2 ) in accordance with the written instructions of the consumer to whom it relates. No written consent was given I am requesting that these inquiries be removed. 
I am disputing the following inquiries XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX MaryLand ] [ XXXX, New York XXXX [ XXXX ] [ ( XXXX ) XXXX ] [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of Updated Negative Items Due to CFPB Breach Dear Sir/Madam, I am writing to formally dispute the accuracy of certain negative items on my credit report that have been updated following the recent breach associated with the Consumer Financial Protection Bureau ( CFPB ). I believe this updating constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Code 1681.

Upon reviewing my credit report, I noticed the following negative items that were improperly updated : 1. XXXX XXXXXXXX XXXX Acct # XXXX **Amount of Debt : ** [ XXXX ] **Account Number** : [ XXXX ] **Details of Update** : [ updated report XX/XX/XXXX ] XXXX. XXXX XXXXXXXX XXXX Acct # XXXX **Amount of Debt : ** [ XXXX ] **Account Number** : [ XXXX ] **Details of Update** : [ Updated XX/XX/XXXX ] 3.DEPT OF ED/XXXX **Amount of Debt : XXXX [ XXXX ] **Account Number** [ XXXX ] **Details of Update** : [ Updated XX/XX/XXXX. ] These updates appear to be inconsistent with the information previously reported and seem to be a result of the aforementioned breach. Under Code 1681 of the FCRA, I have the right to dispute inaccurate information, and I request that these entries be thoroughly investigated and removed from my credit report. 

I have included copies of relevant documentation to support my dispute, including previous statements and records that prove my claim. 

Please send me a written confirmation of your findings and any changes made to my credit report after your investigation. I look forward to your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Money transfer, virtual currency, or money service

I returned something but I did not get my credit back so I filed a claim on PayPal ( Case ID : XXXX ). 2 days later, I was permanently limited. PayPal did not help me with anything but instead I was penalized for something I was victim of. This is most ridiculous thing I've ever experienced in my life.