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

We bought a XXXX XXXX XXXX XXXX from a dealership here in XXXX CA. They used TD Auto for the financing. The SUV  was in an accident on XX/XX/XXXX and was deemed to be totaled by our auto Insurance. They XXXX XXXX sent TD Auto a check for $ XXXX. Prior to that, TD Auto went in the dealer reserve funds and took out {$2300.00}. We did not know this until way after the fact with dozens of calls to TD Auto since the accident! My wife called XXXX to cancel the extended warranty or service contract. That refund was sent to TD Auto Finance on XX/XX/XXXX and deposited by them on XX/XX/XXXX. Again dozens of phone calls later TD has  maintained they have not received the check. My wife asked for and received proof of the checks from XXXX. TD could not do this on their own. My wife also had to call XXXX to file the GAP claim, because XXXX from TD did not do it as he said he would. When the GAP claim was filed, it was approved very quickly, because my wife did all the leg work for TD. She sent in all required Documents to XXXX. That check was sent out on XX/XX/XXXX and deposited by TD on XXXX XXXX Again, TD has repeatedly maintained they did not receive this check as well. Ally provided me with a copy of the canceled check. She sent it in to TD Auto. She has left repeated messages for the mgr of the Insurance resolution Dept, to which he does not return calls at all.His name is XXXX XXXX. She reached him today by fluke and she asked hi m what is going on? He gives her all kinds of stories and the runaround. She asked for his legal dept, he said they do not deal with the public. My wife asked him, '' so how would our attorney get in touch with them ''? he says oh fax in whatever to your file. Like how she faxed in the proof of the canceled checks to them since XX/XX/XXXX and XXXX and he said he was now seeing them! The biggest issue is an outstanding loan balance, with interest added daily in on my credit and I have been denied three time thus far for an auto loan, to get a replacement vehicle which we need.Each one citing high acct balances. Beside my home, I have three credit cards. I make good money and pay my bills on time. But this runaround is causing me a lot of stress and unnecessary headaches! MY wife is very ill and daily she wakes up at XXXX XXXX our time to reach these people, otherwise it is up to two hours holding to get someone. When she does get through, most are ridiculously rude! They claim they give legendary customer service? They need to change that to we give rude and unprofessional service! We get your payments and don't apply it to your accts. The last thing Mr XXXX said to my wife today is the funds had to be misapplied! One check maybe but what are the odds of two checks being misapplied and what is taking so long to find it and apply it to the right account? Something, just isn't right here.MY WIFE WAS THE ONE IN THE ACCIDENT. I AM ON THE ROAD FOR WORK. SHE IS THE ONE WHO HAS BEEN HANDLING EVERYTHING, SO SHE IS THE ONE YOU WILL SPEAK TO IF NEED BE. HER NAME IS XXXX XXXX. THANK YOU
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the disputed items despite the evidence I provided, cause ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experience with XXXX as a consumer my information was on their data breach my identity was stolen and shear with more than one third/parties XXXX XXXX and Experian. according to 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. This affected my credit score in every way emotionally I am stress this really made my life uncomfortable which has lots of negative, and a charge-off. All this was place on my credit history report without my consent I made calls to let them know that is a Violation of the CFPB they told they don't know what am talking about I would like for all this to be deleted asap with and update information it was taking off thanks.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts that have been furnished on my consumer report by your agency. These accounts should not be furnished in my consumer report as they are in violation under 15 USC 1681b - Permissible Purpose of Consumer Reporting Agencies.

Under 15 USC 1681b, any consumer reporting agency may furnish a consumer report under specific circumstances, and no other. Subsection ( 2 ) of this statute clearly states that a consumer report can be provided " in accordance with the written instruction of the consumer to whom it relates. '' I have never provided written consent to any consumer reporting agency to report the accounts in question, which directly violates my rights as a consumer. The absence of consent implies identity theft, a serious offense that undermines the integrity of my consumer report. 
I am formally demanding the immediate deletion of the following accounts from my consumer report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ( Unauthorized Inquire ) XXXX XXXX open date XXXXXXXX XXXX XXXX open date XXXXXXXX XXXX XXXXXXXX open date XXXX XXXX XXXX open date XXXXXXXX XXXX XXXXXXXX open date XXXX Furthermore, I would like to draw your attention to 15 USC 1681c-2, which states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been assigned the reference number [ XXXX  ]. As such, I kindly request that you comply with this statute and block the reporting of the aforementioned accounts not later than four business days after the date of receipt of this letter.
Product: Credit card or prepaid card

On XX/XX/XXXX I called Capital One to report XXXX fraudulent transactions totaling {$1000.00} that were made on my card to a merchant called XXXX in the months of XX/XX/2022 and XX/XX/2022. I have never heard of or used the services of XXXX. Capital One credited my card for {$1000.00}. On XX/XX/XXXX Capital One sent me a letter saying that per their investigation the charges were not fraudulent and they re-debited by card for the {$1000.00}. I called Capital One and spoke to the fraud department about this and they told me they did not investigate if the charges were fraud, but simply are declining to reimburse my card because the charges were from XXXX and XXXX. This card is used for business and it's has {$20000.00} plus charges on it per month and I did not notice the fraudulent charges until I reconciled my statements in XXXX. I again asked Capital One to reimburse my card for these fraudulent charges but they declined. I want to warn consumers that Capital One may not take care of them if fraudulent charges are made on their card.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to complain about several unauthorized inquiries on my TransUnion report. I sent an FTC in XXXX and they have yet to remove this inquiry from my credit profile. I have been more than patient and have sent over 6 rounds of dispute letters. Isn't it illegal to ignore a consumer 's request? I have also reached out to the lenders and they advised me to contact all three credit Bureaus which I did. Transunion is the only one that has ignored my request. I have attached FTC for records
Product: Credit card

I have XXXX credit cards with Citi Bank ( XXXX I use a lot, the other not so much - them being identical products ). I have been asking Citi to consolidate the XXXX cards for YEARS, they never did. Now, I called 3 days ago to see if the less used card can be converted to a Costco credit card and I was informed that it can be on the XXXX of XXXX 2016. I was going to call Citi for that today, when I noticed an email this evening that my card ending in XXXX had been closed ( credit line of $ XXXX ) for no reason. 
I called Citi and they told me they closed it for non-use. I was NOT disclosed any such terms when my Double Cash cards with new Terms and Rewards were issued to me last year. I was then told, oh maybe not when you got a new product, but they were disclosed to you maybe 5 years ago and of course they can not evidence that. I thought all products had their specific XXXX & XXXX and had to be disclosed ...?? 
Anyway, my card which was open as of this morning has been closed and with me calling within 12 hours of such closure, they want to pull my credit bureau report as if I was applying for a new account! And Citi does n't understand what reducing someone 's bureau by {$20000.00} does to their credit score?? 
Why would I want my bureau to be hit? I have another account - XXXX with Citi with a XXXX line, on which I spend a decent amount annually so it is not as if Citi does not know me or has a bureau report on me already!! They are holding a customer hostage telling me that my {$20.00}, XXXX credit line will vaporize from the bureaus tonight if I do not follow their way. My intent was clear wherein I called 3 days ago asking for a different product which I could use in lieu of this account, I could have also been informed and I could have taken remedial action in time. 
I would love to sue Citi on various points of contention above but mandatory arbitration saves them. I 'd rather have CFPB read this and figure this out for Citi 's XXXX.
Product: Checking or savings account

I have been getting letters from Bank of America account with them it's from XXXX Florida and I never open an account with Bank of America I'm very very very sure of it it's been going on for about 6 months I sent him a letter saying that I would report them to the Consumer Finance fraud Bureau and a month later they emailed me another form saying that I am going in - {$8.00} Every time I try to reach out to them on the phone I get a recording asked me for my social security number and my bank account number I give them the bank account number but I do not get in the social security number and it will not let me go any further past that this is starting to bother me and worry me I'm afraid it's going to affect my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX XXXX are not responding to my requests to investigate, verify and remove one account from my credit reports that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISPOSING file when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which is answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX Balance : {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following account are what is being reported : ( XXXX. XXXX, XXXX ) # XXXX account number. I have even sent copies from XXXX & XXXX showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I found a dispute with cash app in regards to a transaction on a purchase that was previously canceled. Within XXXX business days, a cash app. Dispute department representative reached out to me via email and stated on XX/XX/XXXX, the dispute had been resolved And monies will be credited back to my account within XXXX to XXXX business days. And today is now day XXXX on XX/XX/2024. I have spoke to various representatives with Cash App, including a manager, also providing proof of what was told to me in the email in regards to receiving my money back to my account. now theyre stating verbally that I will have to wait 45 days to receive my money back period in which they are not honoring what was provided within the email of XXXX to XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my score up self, XXXX XXXX, XXXX and one score was XXXX and XXXX and i checked every single day no score changed for months and in one day drops XXXX points in a single day and theres nothing to cause such a drop and my name is XXXX XXXX XXXX theres a name listed XXXX XXXX XXXX and XXXX XXXX address Ive never lived there
Product: Credit reporting, credit repair services, or other personal consumer reports

filed a ftc 45 days ago XXXX  XXXX  XXXX XXXX XXXX, XXXX TX XXXX XXXXXXXX/XXXX, XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX FL XXXX Phone : ( XXXX ) XXXX Equifax still showing the FTC violations
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 someone tried getting a personal loan using my personal info with my knowledge or consent. I tried calling XXXX   to help fix this but to no avail
Product: Vehicle loan or lease

To whom it may concern I XXXX XXXX is struggling on making my payments for the past 3 months but I have made partial payments last partial payment was made onXX/XX/XXXXof 2017. For XXXX I understand it not a full payment but I 'm trying the best I can to pay everything in full in a period of time. 
I am struggling due 2 3 things now one is a hospital bill that is huge for a XXXX that was done to my dad in XXXX. That has been one of the reasons of my delay to make payments the most recent one is the hurricane XXXX that affected my love one my family in texas. Their homes were completely destroyed and now they have nothing my family and I provide them with water, clothes, blankets, food.and money. It is very sad and upset that I am experiencing this problems. And seem not to find a way out of this. This is a temporary thing and that is why I want ally financial to understand that I need to support my family affected and now also by the earthquake in XXXX XXXX my aunt uncles cousins have no water no homes, no clothes, and in need of more help. Those are the main reason why I in default and un debt. It is not intentionally I am working but my check is just not enough not now that I 'm experiencing this terrible situation due to mother nature. My family and I are very upset that all this is happening to my family and us. 
I spoke to a representative today XXXX XXXX. 2017 and the representative insulted me telling me that I was loud and that I was angry and that I was always screaming on the phone I told him that that was the way I spoke and not to take it the wrong way but I was n't mad and that I had a deep voice. He insulted me telling me all those things and I even told him are you listening to what you are telling me you are insulting me sir. And I have you recorded and I told him I would file a complaint to cfb consumer financial protection bureu. That is very unprofessional the representative iinsulting you telling you that I was been loud and other things unacceptable not need it to gear those kind of words. In other word he was saying I was rude. And annoying and told me to stop talking and listen to him. I got mad and told him that was incorrect and that that was not the way to treat a customer even if anyone was behind on payments.
Ally Financial I have always been on time on my payments except this 4 months to to the circumstances that I 'm currently experiencing due to my relatives affected by the hurricanes and the earthquake and my dad 's situation.
I also wan na thank you because you been there for me before and now you are making it difficult to me i need tour help and they calling me more than 30 times a week or every day.
Product: Debt collection

I am XXXX, live alone, own my home and have zero debt. Marcam Asc has been harassing my daily for over a year. When I tell them my name, that I live alone and that I have no debt, they ask for my address. I refuse to give it to them and demand they stop calling me. They hang up on me immediately and proceed to call the next day. I am so close to calling an attorney to sue this company for the amount of stress they have caused and the groundless reason for this daily harassment that has so terribly affected my peace.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to dispute several items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified the following negative information that needs to be corrected : The personal information associated with account number XXXX, XXXX, XXXX is incorrect. This violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to provide accurate and complete information about me. Therefore, I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX, XXXX, XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

There is an inquiry on my credit report from XXXX with a date of XX/XX/XXXX. I have no recollection of authorizing this credit pull, and it violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ), which requires that a credit reporting agency may only furnish a consumer report for a permissible purpose. Therefore, I demand that it be removed from my credit report. 

Additionally, there is another inquiry on my credit report from XXXX with a date of XX/XX/XXXX. Again, I have no recollection of authorizing this credit pull, which violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ). Therefore, I demand that it be removed from my credit report. 

I kindly request that you investigate these issues and take appropriate action to remove these incorrect items from my credit report. As required by FCRA Section 611 ( a ) ( 1 ) ( A ), I have attached a copy of my credit report, highlighting the above-mentioned items, for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

A Debt Collector, Convergent Outsourcing, is reporting to credit agencies that I owe " XXXX '' {$2900.00}. I never had an account with XXXX, nor have received any communication from Convergent Outsourcing. Upon calling Convergent Outsourcing at ( XXXX ) XXXX, the phone number they listed on my credit reports, and provided them with the account number they reported on those reports, XXXX, Convergent Outsourcing said they could not locate my account, and the number provided was wrong. I also called XXXX at XXXX, and they said that the account number was not even the correct number of digits, and that they do n't have any account under my name. I never received any letters or calls from either Convergent Outsourcing or XXXX leading up to this. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies XXXX XXXX  XXXX XXXX and Transunion XXXX are in violation of reporting unverified, an unvalidated account on XX/XX/2018 information provided to them by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts from my credit eport
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit Reporting act XXXX Account XXXX. XXXX, XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States i have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

XXXX college took out a private loan in my name and then when they closed i found out that they had taken over {$20000.00} in federal loans plus $ XXXX+ in Pell Grants and XXXX Separate private loans for XXXX $ XXXX+ and XXXX XXXX XXXX for $ XXXX+. My tuition was only {$29000.00}. So this does not add up. The private loan company for XXXX has no idea what to do as far as discharging my loan. I need help!