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

I currently have a loan with Chrysler Capital under my previous married name XXXX XXXX. The vehicle purchased XX/XX/XXXX is a XXXX XXXX XXXX. The loan Matured XX/XX/XXXX with a six month extension based on payments put to the end of the loan. There were no payments missed for the time period and now there is a balance past due of XXXX. When I contacted Chrysler capital to ask why is there still a balance I was told it was because of interest and fees in association to the six payments put to the end of the loan. Confused. I questioned why isn't it considered paid in full because there have been no missed payments. And the response was interest and fees and the balance remaining is due in full and I am currently paying the same amount monthly of XXXX which was the original monthly payment and still being charged interest and late fees every month and a statement that says balance due XXXX and considered 41 days past due, and my XXXX credit score dropped XXXX  points as Chrysler Capital has reported XXXX 30 days late. This loan has been the worst experience ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to call them about the inquiries as well as the XXXX debt that i paid and submitted proof of and other debts that dont belong to me they have not respond its been over 3 months of constant calls and notices sent to them
Product: Credit reporting or other personal consumer reports

I have reasons to believe that my identity was stolen and has been used to cosign for a vehicle and I need to know what is on my credit records.
Product: Credit reporting or other personal consumer reports

Al as per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocary group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXXdebt final rule 1002. 142 ( b ) ( 4 ) -51002. 142 ( b ) ( 7 ). i kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the fair credit reporting act. i am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX & would like for all listed accounts to be blocked and deleted company information equifax. please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$900.00} & {$2300.00}. XXXX XXXX XXXXXXXX XXXX  {$1100.00}. XXXX XXXXXXXX XXXX XXXX {$1500.00}
Product: Credit card

They sold my information and arent without my consent..I asked them for a 1099 since they charged off the account and they never provided it..they added fees that I dont even know where they are coming from and are outrageous..
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charge fees due to lagged posting of charges and credits. This issue aligned with the recent CFPB Findings against Navy Federal for similar practices, were transaction settled with sufficient balances, despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are incorrectly reporting the XXXX XXXX XXXX   partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated,  however I have not been successful. This incorrect reporting is harming my credit score. Please update to report accurately on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

An XXXX XXXX account was opened last year XXXX my name. I called XXXX  immediately after Ive got the bill and they said they would fix it. I asked them to please fix it because Im buying a house. It was put onto my credit report. I called XXXX  again they said they credited the account and would remove from my credit report. But they havent. Please remove immediately. I am not responsible for this
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 violates the Consumer Financial Protection Act. To be specific Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Also, their dispute resolution process was unfair and deceptive meaning they didnt comply with error resolution requirements under The Electronic Fund Transfer Act and Regulation E. These actions have caused a massive inconvenience as well as financial loss. I am seeking redress for the stated violations.
Product: Debt collection

I noticed an invalid collection on my account. I sent emails and certified mail to the collections agency and the credit bureaus. It has been more than XXXX  days. And they have failed to provide me with a validation of debt. This debt is reporting false information on my credit report.
Product: Checking or savings account

In XX/XX/2021 I received a paper checking statement from SunTrust Bank. I had never heard of SunTrust Bank and it was apparent to me that someone opened up the account in my name. I called to inquire on the account. The representative checked the account to make sure that there wasn't any money going in to or out of the account and assured me that SunTrust would freeze the account to assure that no one was able to credit or debit the account and that they would submit the account to their security and fraud department to have it investigated and closed. 

On XX/XX/XXXX I received a second checking account statement from SunTrust. The checking account was still open. And they had included a {$3.00} charge for sending me a paper statement. 

On XX/XX/XXXX I called SunTrust again to see why the account was still open and to dispute the {$3.00} paper statement charge. XXXX from customer service said that the charge would be waived and transferred me to the fraud and security department. The woman who I spoke to said that the account was still open because a case had not been opened in XXXX when I called. She said that the account was frozen. I explained that I didn't want the account frozen, but that I wanted it closed. She again said that they would submit the case to their investigators to look in to the account. I explained that this happened last month but the account was still open. There was nothing that she could do.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX Dear Sir or Madam, I am writing to formally dispute the accuracy of information regarding a charge-off listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$550.00} I believe this charge-off is inaccurate and I've requested several times to have this information corrected to no avail, this is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA, including the name and address of the furnisher of the information. 

Please send me a corrected copy of my credit report upon completion of the investigation, and notify any recipients of Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that a medical was on there XXXX, and it was the same medical. The medical was reported by XXXX XXXX for a medical service. The service was on the same day, the amount was the same, but yet they have XXXX medicals for the same debt. They have duplicate trade lines. I have asked XXXX and Equifax to remove the XXXX duplicate tradeline, both in the amount of XXXX dollars. They refuse to do so. I have worked at a credit agency ; the XXXX unpaid XXXX XXXX are the same account : open date the same, amount the same, day of delinquency the same.
Product: Prepaid card

I was unable to use a gift card, so I tried entering the card information into the website ( prepaidgiftbalance.com ) and it says the information is not valid. I tried calling ( XXXX ) and entered the information on the card and again was told they were not able to access this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On MULTIPLE occasions I disputed XXXXXXXX XXXX XXXX on my report. This was a XXXX bill from years XXXX to approximately XXXX. In XXXX I was coming out of a nasty divorce and on welfare. I HAD to go into non pay status on my electric to qualify for XXXX. So my first delinquency was in XXXX. This makes this debt 10 years old, past the point of being reported. The credit reporting agency non stop says verified. Wont provide me HOW they verified which I asked REPEATEDLY for. 

XXXXXXXX XXXX XXXX reports first delinquency was in XXXX. This is WRONG. This violates my rights. I am attaching a bill from XXXX to which shows that they are WRONG. This also proves the credit reporting agency is NOT DOING THEIR JOBS. 

Federal law ( US Code Title 15, 1681c ) controls the behavior of credit reporting agencies ( CRAs ). The specific law is called the Fair Credit Reporting Act ( FCRA ). Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumers credit report for up to 7 years. 

To determine when an account will be removed by the CRAs ( TransUnion, XXXX, and XXXX and others ), add 7 years to the date of first delinquency. The date of first delinquency is shown in credit reports. Subsequent activity, such as resolving the debXXXX XXXX XXXX debt collector selling the debt to another collector, is irrelevant to the 7-year rule. 

I can continue to look or call XXXX for actual proof this goes back to XXXX for my first delinquency. But this in itself should show that this agency is not properly investigating and should be held accountable. 

I am asking for a IMMEDIATE REMOVAL or I will take this further being this is a CLEAR VIOLATION of my rights.
Product: Debt collection

I noticed that Wakefield and Associates is falsely reporting to XXXX major credit bureaus. I never conducted business with this company nor have I signed any agreement giving this company permission to collect this alleged debt. I sent Wakefield and Associates a debt verification letter on XX/XX/2021 and the company has refused to respond BUT they are still verifying the debt with the credit bureaus. I reported this company to the TN Department of Commerce and Insurance. If this alleged debt is not removed within XXXX  days I will move forward with a lawsuit in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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.

15 U.S.C 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1693 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse or harass at the called number.
Product: Credit reporting or other personal consumer reports

I have 2 or 3 Bank of America hard inquiries that I did not instigate!
Product: Debt collection

I

have requested validation and verification for these accounts multiple times, but your company has failed to provide sufficient proof. Specifically, I requested a signed contract, agreement, or documentation linking me to these accounts or the company you represent. A billing statement or generic document does not constitute validation under the law. Additionally, I have disputed these accounts with XXXX and XXXX. Both agencies failed to provide an adequate method of verification for the accounts in question. Your company did not notify me of these alleged debts, as required by law, nor did I authorize you to report these accounts to the credit bureaus.

Given that I have been a victim of a data breach, I also believe these accounts may be fraudulent and unrelated to me. Your continued reporting and collection activity without providing proper validation violates federal laws, including : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) : Failure to validate and verify the debt upon request and continuing collection activity without proper validation.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation of the disputed accounts.

3. FCRA 1681s-2 ( b ) : Furnishing inaccurate or unverifiable information to credit reporting agencies.

4. FCRA 1681m ( a ) : Failure to provide proper notice of adverse action when reporting these accounts.

For each violation of these federal statutes, I will be seeking damages of {$1000.00} per violation, as permitted by law. Your continued failure to comply will leave me no choice but to escalate this matter further with legal action in addition to complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens bank reported an unathorized inquiry on my credit report specifically XXXX and XXXX. I have no knowledge of this transaction, and I want to report this suspect inquiry. ( FRAUD )
Product: Money transfer, virtual currency, or money service

I have gotten information back about my and the case number is Submitted a case the number is # XXXX got word back from appeal, case management specialist and told me about the matter of looking in to my transaction would need another complaint asking about a transaction of XXXX and XXXX a lump sum, from account, and would like them to give these account number that the payment came from and would want this information for having banking problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2018 ), Experian has failed to respond to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

ACCOUNTS XXXX XXXX XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX XXXX  XXXX {$1900.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This includes XXXX, XXXX AND XXXX. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX Request OriginatorXXXX XXXXXXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Request OriginatorXXXX XXXXXXXX XXXX DateXXXX XXXXXXXX, XXXX XXXX AddressXXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX DateXXXX XXXX XXXXXXXX CompanyGLOBAL LENDING SERVICES, XXXX. 
AddressGLOBAL LENDING SERVICES, XXXX, XXXX XXXX, XXXX, SC XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX DateXXXX XXXX XXXXXXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX DateXXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX DateXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX DateXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX DatXXXX XXXX, XXXX CompanyXXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Request XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX Request XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Request OriginatorXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

XXXX continues to report my balance x2 despite and Transunion refuses to do anything about it. As of XX/XX/year>, they claimed to have resolved my dispute, but upon checking my credit report on XX/XX/year>XXXX  the extra account is still there! 

If Transunion were to contact XXXX regarding my *correct* balance, this issue would have been long resolved -- but it is clear at this point that this is too much work for Transunion. I will continue to file complaints to the CFPB until this is removed as it is causing me financial harm. Anyone else experiencing similar issues should continue to file these complaints against XXXX and Transunion. I am considering contacting a lawyer regarding a class-action suit as there are thousands of other XXXX account holders experiencing this same thing.
Product: Credit card

Background For the billing cycle from XX/XX/year> to XX/XX/year>, my statement balance was {$2400.00}, with an average daily balance of {$87.00}. On XX/XX/year>, I set up an autopay payment for the full balance. Upon checking Wells Fargos online platform, I saw the payment was received, which reasonably led me to believe that my balance was fully paid. 

However, unbeknownst to me, the payment ultimately failed. At no point did Wells Fargo notify me of this failurewhether via email, SMS, app notification, or mailed correspondence. I had no way of knowing that my payment had not been processed, especially when the online system indicated that it was received. Then, XXXX  days after the due date, Wells Fargo quietly applied an interest charge of {$130.00} to my account. 

Issues with Wells Fargos Practices : XXXX. Failure to Notify of Payment Failure Wells Fargos failure to notify me that my payment did not go through directly led to this issue. And they said though all other banks will notify, they don't and they won't. As a customer, I reasonably relied on the confirmation that my payment had been received. Had I been informed in a timely manner that the payment failed, I would have immediately rectified the issue and prevented unnecessary interest charges. 

XXXX. Unreasonable and Excessive Interest Charge Even if Wells Fargo disclaims responsibility for failing to notify me, the interest charged is unconscionable. The amount of {$130.00} was applied for an XXXX period, resulting in an astronomical effective APR of 5,000 %. Such a calculation defies reasonable lending practices and raises concerns about predatory interest charges.
Product: Credit card

I have a capital one credit card and CFPB is suing capital one for cheating their customers out of over {$2.00} XXXX in interest. I think capital one is doing that to my card
Product: Debt collection

Affirm keep reporting that I owe a debt that I satisfied months ago. I spoke to several representatives and they refuse to correct. Reporting false info to my credit report and harming my credit score
Product: Credit reporting or other personal consumer reports

I would like to dispute the inaccurate accounts on my credit report.

Experian : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$910.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$1000.00} XXXX XXXX XXXX Account Number : XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$110.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$180.00} XXXX XXXX XXXX Account Number : XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX {$650.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$1000.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$1700.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX {$650.00} XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was charged for unnecessary add ons.