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

I have a car loan with Westlake financial bank and they take the car last year and they give me offer to pay {$950.00} and close the account I didnt have the amount in XXXX they call me and I take with customers service and I give them offer to pay {$400.00} and then next month {$200.00} and close the account they say yes I pay the {$400.00} and when I called this month to be the {$200.00} they tel me we cont make the deal I told them you Broke the deal that we made and thats illegal I want my money back and they refuse do anything
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX SSN # XXXX XXXX XXXX XXXX XXXX KY XXXX Lexis Nexis is violating consumer Federal protected rights and Federal Case Law by providing a third parties XXXX, XXXX, and XXXX without 15 USC permissible purposes for this Child Support Nebraska account. Do no have my written authorization, old account open on XX/XX/2001, and no current court order on file. Delete immediately from consumer report. I also spoke with the district court and they stated the do not report to any consumer reporting agencies. CFPB please make them comply with the FCRA. Lexis Nexis continued to blaluant violated consumer three times by providing inaccurate information to third parties XXXX, XXXX and XXXX. They have caused emotional stress to consumer livelihood and well-being.
Product: Debt collection

Myself and my neighbors are constantly harassed by Macy 's debt collectors a few times a week. He is banging on my door like a crazy person. He has banged on my door awaking everybody at XXXX on a Saturday. I initially told him that he had the wrong person and closed the door, but he continue to harassed me as well as my neighbors. He is entering the property illegally by tailgating other tenants on to private property. The complex has posted sign prohibiting this type entry into this complex. He has also impersonated to be someone else to gain entry.
Product: Mortgage

I'm A SINGLE MOTHER WHO OF XXXX WHOM HAS BEEWN TRYING TO CLOSE ON MY FIRSY HOME FOR ALMOST 3 MONTHS NOW. I HAVE PROVIDED EVERTHING TO MY BANK SEVERAL TIMES AND KEEP GETTING THE RUN AROUD. ITS BEING THROWN UP IN MY FACE BECAUSE MY FAMILY AND I NEEDED DOWN PAYMENT ASSISTANCE AND ITS UNFAIR. I'M UNSURE WHAT TO DO AT THIS POINT AND MY SELLER IS ABOUT TO PUT THE HOME BACK ON THE MARKET BECAUSE IF IT. WHAT DO I DO? I HAVE ALL MY PROOFS TO BACK UP MY CLAIM AS WELL. MY REALTOR ALSO IS SEEING THE SAME THING AND SUPPORTS ME IN THIS MATTER. MEANWHILE MY FAMILY AND I HAVE BEEN LIVING OUT OF BOXES AND SLEEPING ON THE FLOOR. I RECENTLY HAD TO ADOPT A XXXX OLD BABY AND A XXXX YEARF OLD. I'VE PUT EVERTHING I HAVE INTO THIS HOME AND NOW MY BACK IS AGAINST THE WALL. CAN YOU HELP ME PLEASE OR DIRECT ME TO SOMEONE WHO CAN? 


THANK YOU
Product: Debt collection

MAJR FINANCIAL CORPORATION Have contacted them since 2017 with documents to show that this account is apart of a identity theft case no response
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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: Debt collection

XXXX XXXX XXXX XXXX is a fraudulent account reporting collections to my credit report for the amount of {$590.00} reported on XX/XX/22. This is due to identy theft. I have never signed a wet contractual contract or open an account with this company.
Product: Credit card

I have a XXXX XXXX card that partners with AMEX. I earned a {$100.00}. voucher to be applied to a XXXX ticket at a later date. I purchased a XXXX XXXX plane ticket on XX/XX/year>. I paid for it in miles and cash ( {$500.00}. ) The transaction would not allow me to use the voucher. I contacted XXXX and they told me that they have no recourse, it is an AMEX problem. I contacted AMEX and they blamed XXXX. This is not right. What is the point in earning perks on this credit card, that I pay a large fee for, if I can't use them? The XXXX rep I spoke to referenced a software issue that won't allow for it. AMEX blamed them. I am a senior citizen on a fixed income. {$100.00}. is a lot of money to me and I saved it for this ticket. The voucher ( ecredit ) expires tomorrow and they never gave me any other options. Again, this is not the way to treat customers. These rewards cards take advantage of consumers.
Product: Payday loan, title loan, or personal loan

My entire account was paid off in full with Money Lion some time in XX/XX/2021. Via telephone, I received confirmation that my account was paid off and that my account was deleted. Despite this, I have continued to receive emails telling me that I owe funds to my account. 

Since my account was deleted, I have no option to sign in and check to see if there's anything owed. I have contacted the company 3 times via telephone since the start of XXXX in an attempt to get a statement or email from the company confirming that my account was paid off, and was promised every time that I'd receive an email within XXXX hours. Never received any emails aside from those continuing to tell me I owed money to the account. 

I'm making this complaint because I do not want anything sent to collections by this company for my account not being paid, their lack of response on this issue comes off as shady and potentially predatory. I believe my Service Request # for the first phone call to them was XXXX, the second # was XXXX.
Product: Payday loan, title loan, or personal loan

This is a loan for solar panels on my house from XXXX XXXX. The company set up a new payment system and informed me that I would need to re-register to have my automatic payments made. 

This happened 6-8 months ago, and since then automatic payments keep getting rejected because they claim I do n't have an account.

This requires constant vigilance and calls to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was discharged with chapter XXXX bankruptcy docket # XXXX inXX/XX/XXXX. XXXX, XXXX, Equifax are all reporting the wrong dates ( XX/XX/XXXX ), BK should be removed off my credit report, only reports for 10 years, discharged XX/XX/XXXX. Told XXXX to verify there information but never responded back, I also took the liberty to call the court house and they verified with me that it should be off of my credit report. Please delete off my credit report.
Product: Debt collection

I never applied for a student loan educational which was incorrectly reporting on my credit report # XXXX Then they sent it to collections I have been disputing since XX/XX/2020 I need this removed and blocked from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am XXXX XXXX submitting documentation in regards to my complaint with experian. Attatched is my ID and Social security card to show proof, below is my original complaint. I originally had a dispute with Experian & XXXX. I've been a victim of Identity Theft, currently this situation is making it extremely hard for me to obtain credit and qualify for a mortgage.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX SENT OUT DISPUTE LETTERS TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX WITH TRACKING NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE I DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATE ACCOUNTS AS PAID AS AGREED OR REMOVAL OF THE FOLLOWING : XXXX XXXX  - XXXX, XXXX XXXX, XXXX - XXXX AND ALL NEW OR OLD INQUIRES XXXX  XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX  XXXX XXXX. REASON FOR DISPUTE ACCOUNTS IS UNSUPPORTED BY ANY ORIGINAL, SIGNED CONTRACTUAL AGREEMENT. WITHOUT THE ORIGINAL CERTIFICATED SECURITY THE ACCURACY OF THIS ENTRY CAN NOT BE ASSURED INCORRECT INFORMATION HARMING MY LIVIEHOOD.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is listed as a Charge Off account on all all three credit bureaus. The date opened was XX/XX/ and has been reported as derogatory for over 7 years. This must be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

learning recently about Transunion computer glitches they experienced this year and last year I called Transunion to explain to them that I was aware of the glitches they had in there system that caused inquires to be deleted and added back on to my report in doing so I was never informed by mail or phone that they would be added back onto my report illegally without my knowledge. All in all this misfortunate was not my fault. Transunion told me it was nothing they could do about this knowing that it was there fault they even mention knowing they had glitches but the inquires had to be added back. These inquires added a hardship and as a citizen my rights were violated by Transunion. I 'm writing in hope that you can make Transunion stop victimizing me. I ask that as a resolution that all my inquires be deleted from Transunion permanently as a violation took place illegally
Product: Debt collection

On XX/XX/year>, Sunrise credit service sent a collection debt of {$1400.00} they been calling and harassing me multiple times truth is I dont even know where this collection even come from.
Product: Debt collection

I received a letter advising that I had a past due balance on a victoria secret card that I did not have or use. I was advised that I purchased for almost XXXX dollars items that I did not make or receive because I am a XXXX patient. The debt was transferred to a XXXX XXXX XXXX named XXXX XXXX from Victoria secret. I advised them that I was in the hospital getting XXXX care and that I did not make these purchases and disputed it. They told me although it was disputed they provided proof of the debt and that I still owed. I wasnt able to offer my reason for disputing it and I am asking for your help in addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 RE : THIRD ATTEMPT TO RESOLVE DISPUTE NOTICE OF VIOLATION OF [ 15 U.S.C. 1681s-2 ] ( a ) 30 days to reply Dear Equifax XXXX  , This is my THIRD attempt to resolve a dispute with you and third complaint I am filing with the CFPB. 

XX/XX/2021 I submitted complaint in writing to you. 
Attached : 1. Initial Letter to Equifax on XX/XX/2021 2. Delivery Signature XX/XX/2021 I also filed complaint XXXX-XXXX  with the CFPB to which Equifax stated XXXX Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. 

I never received anything! 

I also DEMAND that you provide to me the name of company and proof of this furnisher of the information isUIFAX IS referring to, because this is simply impossible, and it is illegal to tell me false information. 

XX/XX/2021 I submitted my second letter to you directly and complaint via CFPB XXXX-XXXX  to the CFPB to which you again replied, Please be advised that an investigation with the furnisher of the information has been completed and the results were mailed to you. 
Attached : 3. CFPB Complaint XXXX-XXXX  Again I received nothing! 

They have received a personal letter in XX/XX/2021 from me and all these complaints verifying from me that they need to fix this and have my permission to do so. They are FAR past 30 days. They are in FULL violation of the law and for this reason alone they are REQUIRED BY LAW to remove all of these items because I never received anything from them regarding the results of their investigation, despite checking my mailbox incessantly for a few months!!!!! 

According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they MUST remove the negative listing disputed!!!!!!!!! I AM ASKING YOU, CFPB PROFESSIONAL, to not allow Equifax more time. Time is now to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I asked an American Express agent to provide me with a link so that I could upgrade my Amex gold account to an Amex platinum account. I told an online Amex agent with whom I intended to upgrade my existing card that I did not want a new account, as it would hurt my credit score, and explained that my wife and I are financing our first home. I did not want a new account on my credit report as my loan agent advised me not to open any new accounts. Because this was through an online Amex agent, this conversation is in writing, where I expressed many times to American Express that I did not intend to open a new account. Days after clicking and signing the link Amex provided me, I noticed that in addition to having my existing account with Amex upgraded, an entirely new account was opened in my name, against my wishes. I immediately closed the erroneously created new account upon realizing what had occurred. I have called Amex customer care seven or eight times and was told there is nothing they are willing to do to remove this from my credit report, even though I have documentation in writing with their representative of my wishes not to create an entirely new account. For the next seven years, I will have this opened and closed American Express account ( Dated XX/XX/2022 ) on my credit report, which Amex opened against my wishes. I would like this removed immediately from my credit report, and Amex should work with me in this process.
Product: Checking or savings account

CHASE BANK COMMISSION SCAM. 

From XX/XX/2020 - XX/XX/2020 I have reached out to numerous CHASE BANK locations in XXXX to inquire about opening a business account. Due to COVID-19 I asked every single call, what are my options for opening a business account remotely? 

This is over a dozen phone calls all speaking with certified banking specialists. All of whom declared " You must be in person to open the account. '' This is a lie and an egregious tactic to obtain a commission. 

On my last call I pressed harder now knowing the truth that you can in fact open an account online. It was only after I called out the agent they finally admitted to this option. They then gave me an interesting warning : " You can try online, but you might find you have trouble completing the form so its easier to just come in to our branch. '' Low and behold, I have now tried ( XX/XX/2020 ) over 20+ times to complete the online application. Without fail my effort is terminated on the last page of the document every single time. 

There is no issue with my internet. I am very tech savvy. This is egregious business tactics by a major bank. 

Do to this commission scam I have been unable to collect on any payments for the last 90 days. I am concerned that money that is owed to me will not be available due to the current climate and I will now be struggling to chase down payments. 

These dirtbags need to be checked.Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Accounts Due to Data Breach Request for Deletion Under 15 U.S.C. 1681 To Whom It May Concern : My name is XXXX XXXX, and I am writing to formally dispute certain accounts on my credit report, as these accounts were created as a result of my personal information being exposed during a data breach. My information was compromised and is now being used fraudulently. As per the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, I am requesting the immediate removal of the following accounts from my credit report : 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 XXXXXXXX ( Closed ) These accounts were not authorized by me and were affected due to the breach of my personal data, which I have learned is now available on the dark web. I request that you investigate these accounts and take immediate action to remove them from my credit report as they are not legitimate. 

Please confirm receipt of this dispute and inform me when the accounts have been deleted. I have also filed reports with the Federal Trade Commission ( FTC ) and relevant authorities concerning the breach of my data. 

Thank you for your prompt attention to this matter. Should you need further information, do not hesitate to contact me at the details above. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/year> I had just gotten accepted into college, I was looking for a new WiFi provider because my current one was giving me a lot of problems. The WiFi would constantly jump on and off and the bill was increasing every month. So I called ATT XXXX. I can not remember the agent 's name, but I know it was a guy. I asked him about the WiFi service. I asked about the pricing, the internet connection reliability, bandwidth, and broadband. He answered my questions then he goes on to tell me about the different kinds of package deals that had. I told him I wasn't interested in that. He was very persistent with it. He didn't speak anymore about what I had called for, he was talking about how he can get me a discount and how he can get me more channels for a lower price. I told him never mind about the WiFi service because I'm not interested in the other stuff I only wanted WiFi and I proceeded to tell him that's ok I'll just stay with the provider I have. I then hung up the phone. I would say probably 4 days later I get ATTXXXX equipment delivered to my house. I took the equipment and put it in my closet. Never installed the equipment. I had then started receiving Bill 's from them every month. So I would constantly call them questioning them about a bill when I never installed the equipment. Bill 's were still coming until I contacted the dispute department and I talked to a lady about my situation. She pulled up my name and she told me she see where the equipment was never installed and she said to give her 7 days because I believe she was going to turn this over to someone else. I have never heard from that woman again. That is still on my credit report and I want it gone.
Product: Checking or savings account

On XX/XX/year> I received an incredibly brief email from Money Lion with the subject line " Alert : Account Closure '' which stated within the email only " We have closed your RoarMoney account per the Demand Deposit Account Agreement. '' I contacted support a few hours later over the phone because I had been locked out of my account and was unable to contact support through chat ( which is the normal method to communicate with support with Money Lion ). I explained my confusion and overall concern for what could have possibly caused my Money Lion XXXX  checking account to be closed as it is in good standing, I have always paid back my instacash advances on time, is regularly used, etc. The representative put me on a approximate 5 minute long hold while he " researched the issue '', and then told me that my account had been closed for " suspicious account activity as per the demand deposit account agreement '', and that " The decision to close the account is final and can not be appealed ''. I asked the representative for details on what exactly occurred as far as to what was being considered " suspicious account activity '' which triggered the account closure and he responded by telling me he was unable to disclose this information to me. I told the representative how that the only suspicious account activity in reality is that you are unable to disclose this information to me. 

Furthermore, I explained that in between the hours from when I received the account closure email until I called support later that day, I had receive a new email notifying me that my instacash advance limit had just been raised and that I " now had access to an additional {$90.00} right now ". According to this email 's message, my account was active and usable but the representative says to ignore it. I told him I also found that suspicious. 

Finally, I explained to the representative that I had 2 disputes for unauthorized charges currently being investigated. I asked what I was to do about reclaiming the funds that would be returned to my account from these disputes if I was unable to access my account? He asked if me could get back to me through email later so he could investigate the answer to this question. I agreed. Less than 1 hour after this, I received a couple new emails that were actually updates on the disputes I had filed. The emails stated that both of my disputes had been approved and that the funds for each have been returned to my account. I never heard back from the representative like he promised and now I have in addition to any funds that were already in my account, I also have these disputed charges returns there and are now unaccessible to me as my account access has been terminated.
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 violate 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 proce 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. Also, one account was closed for violation of the t.o.s but I wasn't told which part of the t.o.s I violated. It also happened to other people I know. My account getting closed made me have to owe them money.
Product: Vehicle loan or lease

So on the XXXX XXXX XXXX  and XXXX day of XXXX, i called to make my payment and every time they told me there system was down, so on the XXXX i told them i was gon na put my money in a money order so my bank doesnt charge my account and i miss my payment, i told them i was gon na mail it off, when they called back saying they didnt recieve it i went and got it reissued, i was gon na send it certified mail, but i seen an update on my bill of twice the amount so i assumed it was gon na roll over into next month, every time they called i answered the phone they hung up on me, i assumed that something came across there screen as it was already taken care of and they didnt need to call me anymore. I thought it was weird because they kept doing that day after day until Friday the XXXX, when they repo 'd my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to delete files that are over 7 years aged and has failed to correct their report that shows 2 real estate mortgages. I have asked Equifax over a dozen times to delete XXXX XXXX XXXX as the account is closed. They show 2 open real estate mortgages, which is incorrect.