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

Lease terminated XXXX, XXXX, two months early, very low mileage. {XXXX} excess wear and tear charged and an unauthorized charge of XXXX for " Sale Expense ''. Called XXXX ( 3rd phone contact ) and they waived ( deducted ) XXXX  and stated XXXX} would cover the entire bill. ( XXXX, employee # XXXX, lease recovery department ). I sent in the {XXXX} with the knowledge they would return my XXXX} check - but they cashed the XXXX immediately after the call. 

Return calls are always unproductive " because you are not authorized to talk about your daughter 's account '' - my daughter has authorized them to talk to me on four occasions. GM Financial routinely loses records of prior conversations. 

I noticed they actually did not deduct the charges, but cashed my check for XXXX. Since then they refuse to talk to me " because I am not authorized ''. My daughter works in a hospital and has limited access to her phone during business hours ; she has called them four times and authorized me to speak to them about the account. They always deny that they have authorization. 

They tricked me into paying XXXX in exchange for a {XXXX} rebate, then declined to give me the {XXXX rebate.
Product: Credit card or prepaid card

We used our credit card to put down deposits for work that was supposed to begin on our home in 2017. The zoning board stepped in which caused a delay of 1 year on our project. By the time we were approved the contractor had gone out of business and all of the deposits we gave were not applied and work was never completed. We contacted capital one and they did an investigation over a few months and said it was fraud and my money would be returned and that it could be used to finish the home. They wished me well and that was that. We then used the money with a new contractor to finish the home..six months later capital one calls me and said they were taking another look at the case and that they decided it should be redone as a dispute and reversed all my charges taking me from a negative XXXX balance to a positive XXXX balance. They refused to give me the transcripts of the calls where they said I could use the funds and they basically changed there decision because they said the time frame between the charges and the fraud claim was to long. I explained that was because of the 1 year process that took place because of the zoning board. I paid off the card over the original timeframe and only used it again when they said I could. I had to hire new contractors and pay for all the work again since the original contractor never did the work but gave my card to pay his debts telling me it was for deposits on my job. I only found out when it came time to do the work that he defrauded me and thats when I put the claim in for fraud. I dont understand how they can do an investigation make a decision and tell someone its finalized and they can use the money and when I do change there kind months later and take me from a credit of XXXX to a balance of XXXX a XXXX swing. Please help!!
Product: Mortgage

PNC Mortgage and PNC Bank held the 1st and 2nd mortgage on my previous home. We settled on a short sale with both entities in XX/XX/2013. PNC Bank is still reporting our balance due on mine and my husband 's credit reports preventing us from obtaining a new mortgage so that we can move on after the hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 I have mail 3 different letters following the FCRA law to Experian, XXXX and XXXX. I have not received any respond from them which exceeded more than the 30 days they have to respond by law. I am attaching the letters I mailed following the FTC and FCRA law to Validate the accounts I included in the letters for verification.
Product: Money transfer, virtual currency, or money service

I got a transfer on XX/XX/XXXX for {$120.00}. The person sent me a screenshot with a confirmation number. I never got the funds in my account. I called Zelle and the agent told me that there was nothing he could do and advised me to call my bank. My bank has been trying to help me for over two months to get the funds without any success. Zelle says that they can see the order number but that the funds never left the senders account and they dont know why, and will not provide a solution.

This is absolutely outrageous. Zelle is a service that should work as promised and if there is a confirmation of the transfer : 1. the transfer should happen ; 2. They should not wash their hands and make the costumer and the bank chase a transaction they cant view ; 3. Reply saying that something wrong must have happened and not offer any steps forward to make it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and XXXX I have provided them police reports, identity theft documentation, and written requests to remove invalid medical debt. I am a victim of identity theft. 

I do not live in Florida, and therefore do not have medical debt in Florida. 

Furthermore, I am a 100 % XXXX veteran and all my medical expenses are 100 % covered by the Department of Veterans Affairs.
Product: Credit card or prepaid card

To Whom this May Concern : I'm following up on a previous complaint. XXXX and XXXX ( duplicate ). 

A representative, XXXX XXXX, A Resolution Specialist at Regulatory Complaints Bank of America, XXXX, extension XXXX, contacted me on Friday, XX/XX/XXXX at XXXX XXXX. I was unable to take the call at that time, therefore called him the next business day, Monday XXXX shortly after noon EST and left a message. After a week, he still has not returned my call. 

{$7700.00} was drafted from my account due to a bank error. It's been over 10 days and the transaction error has not been corrected. This money needs to be returned to my account immediately. 

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

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX, Acc # XXXX has violated my rights. 
XXXX, Acc # XXXX has violated my rights. 
XXXX XXXX XXXX, Acc # XXXX has violated my rights. 
XXXX Acc # XXXX has violated my rights. 
XXXX  Acc # XXXX has violated my rights. 
XXXX Acc # 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. states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

I was contacted by mail on XX/XX/XXXX by the law firm of Nelson and Kennard. In the letter it was stated that they had obtained a judgment against me on behalf of their client XXXX XXXX XXXX XXXX. They then stated that I had an outstanding judgement balance of {$10000.00}. 

I have never received any paperwork notifying me of a lawsuit and in fact the original debt was by my records charged off in XX/XX/XXXX. 

I had moved on XXXX XXXX of XXXX and on XXXX XXXX of XXXX so if they had served the paperwork to an old address it was n't to me. 

Furthermore I just received a phone call from one of their representatives at work. 

I think it will go a long way if the Bureau of Consumer Financial Protection contacts Nelson and Kennard and just ask some simple questions. Like " When did you supposedly sue this person? Do you have court document showing proof of service? Who signed the proof of delivery? Show us documentation proving you have the right to collect this debt? " Please help as I do n't know who else to contact and really need a help from your organization to help with this dispute.
Product: Debt collection

Southwest Credit Systems Reported : XX/XX/year> Amount : {$560.00} Information reported is inaccurate Inquired about debt validation letter and purchase agreement I did not receive it. I understand that this is a third party collection agency who has received information without my permission. Please delete inaccurate report.
Product: Credit reporting or other personal consumer reports

I have filed disputes to Equifax concerning incorrect personal information. I called in to follow up on my disputes requesting incorrect addresses posted under personal information. Equifax stated that they were not able to delete theses incorrect addresses because they were associated with XXXX negative accounts from XXXX XXXX  and XXXX XXXX XXXX. I contacted these to companies to submit disputes on these accounts via certified mail and did not receive responses after 30 days. 

On XX/XX/year> I called Equifax to have them dispute these accounts. They were unable to verify the accounts because they did not have my birth day on file and they were not provided by any of my accounts. I submitted my ID, birthday, SSN, address, phone number, and employer via certified mail which they received on XX/XX/year>. Equifax has not removed these harmful accounts from my report. Equifax has also denied me access to my credit report through there myEquifax portal because my birthday is not on file despite having received it. 

I am confused on the direction I should pursue to resolve this issue. Please investigate how Equifax can report negative information on my credit report without the ability to confirm my identity. Thank you for your efforts in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured credit card with XXXX XXXX XXXX on XX/XX/2021 with an initial deposit of {$200.00} On XX/XX/2021 the account was closed with a balance of {$30.00}. I spoke to a representative on the phone to use the deposit to pay the remaining {$30.00} and refund me {$170.00}. I never got the check! The amount was never applied to the balance! It has continued since XXXX to accumulate interest and fees and report negatively on my credit report. They have it listed as delinquent and unpaid when the only ones who are delinquent and havent paid is them. They have had {$200.00} of mine for the deposit this whole time that they never returned to me! So this account should be paid and full and should of been in XXXX when I asked it to be. I have disputed the information on my credit reports and provided the same information to transunion, XXXX and XXXX and they verify it as accurate when its not
Product: Prepaid card

Well I don't know what is going on with my NetSpend account
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ). 

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation.

I am disputing the following unresolved negative items on 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 Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach that resulted in the unauthorized use of my personal information to open fraudulent accounts. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that all fraudulent accounts associated with my identity be blocked and permanently deleted from my credit report. 
List of Fraudulent Accounts : XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1200.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Aargon Agency Inc reached out to me last year about an account that did not belong to me. I explained to them that I was part of several major breaches and that this account was not mines. I let them know I resided in XXXX  and had not lived in XXXX  since XXXX. I briefly returned in XXXX after an injury before moving to XXXX  and I had no utitlies in my name. I resided with my mother. They said they would investigate and then I heard nothing else. Now it is on my credit report and I continue to dispute this information. The only person that could probably have an account in my name was my mom 's husband XXXX XXXX who has passed years ago but he was the landlord.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : XXXX  XXXX XXXX Acct XXXX
Product: Checking or savings account

I alerted TD Bank to two potential fraudulent checks being cashed from my account in XX/XX/XXXXXXXXThey instructed me to come into the branch the branch and close the account and open a new one, which I did. I asked what measures can be taken to prevent this from happening. They stated nothing On XX/XX/2019 two fraudulent checks upwards of {$13000.00} dollars were cashed from my account. The same amount in which the first potential fraudulent activity was reported. The check was fabricated and the signature was electronically manufactured, and did not resemble my signature in any way. I was once again instructed to close the account, which I did. I filled out an affidavit of fraud inside a branch. They instructed me that there was no further action I could take, and that it may take 6 months for the case to reach global security and be assigned an investigator, in which afterward my funds may be returned to me. Two week later and The branch did not send my affidavit of fraud to the the td fraud department, it has not been filed with global security of placed on a list for an investigator to be assigned, After numerous phone calls and branch visits, as well as after filing a police report. 

No one at customer service, fraud or within the branch showed any concern with the matter, and refused to give me a copy of the affidavit or details regarding how and where the checks were cashed. 

They were clearly negligent in allowing blatant fraud and refuse to reimburse or guide me through the fraud process.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX
Product: Debt collection

The XXXX XXXX, Apartment company, has submitted a debt collection for a balance which was not involving my signature and consent. The balance was stated as {$1500.00} as a settlement. 

I have never looked around any of their apartments at all, nor have I lived/stayed for 1 minute at one of the apartments. I have never been assigned a room for the apartment and have not even received a key for any apartment, so I also have not seen the apartment number. 

The debt has been opened by the apartment company without my consent since XX/XX/XXXX and then they transferred the debt to the collection agency in XX/XX/XXXX, right after its name changed to The XXXX XXXX. This debt has been posted on my credit record since then.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Student Loans : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, An account opened at XXXX XXXX on XX/XX/XXXX XXXX the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

i attempted to make a purchase at XXXX XXXX  store and credit card for the store would not process the purchase. Tried twice by inserting my social security number and the system indicated DENIED. The store clerk recommended contacting the bank ( XXXX XXXX XXXX  ). I contacted the bank and they requested that I reapply for the credit card. I decided not to and applied for a credit card at my Credit UNION. That is when I found out I had a {$6000.00} overdue bill delinquent, which affected my credit score ( experian ). The bank has reduced our balance to XXXX  balance but our Credit Score has not been adjusted as far as I know. It appears a crime has been committed and although we may be able to resolve the issue as far as our credit score but someone should be charged with the crime and make restitution to us and the citizens of XXXX XXXX XXXX.
Product: Checking or savings account

I opened an online account with JP Morgan Chase. I deposited a check for XXXX. They held the check for 12 days until it cleared. They told me over and over I had to drive 2 hours to a branch in XXXX, AR. with identification to verify my identity and that I would be issued a check directly. This was after several weeks of fighting with Chase to return my money, They closed the account on me, I called on XX/XX/2024 and verified my identity and the supervisor online said she didn't know why the man did not release my funds and send a check to me. She said I did not have to go to a branch. This was a tank of gas and my own time! What do I do? 

The officer XXXX XXXX at Chase on XX/XX/2024 wanted to help us. He got on the phone with the same system I am having to call through and they told him on speaker phone that the funds could not be released for him to issue us a check because a check had been sent in the mail. I had called the Saturday previous to this and was told if I did not make the 2-hour drive to XXXX they would eventually be authorized to keep my money and I would lose it. So, I drove 2 hours and XXXX XXXX was told they mailed me a check. 

Today, XXXX we have received no check. I am on the phone right now with Chase who is telling me to return to XXXX again to verify my identity and have them issue me a check. I am a XXXXXXXX XXXX XXXX all day and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  every evening. I can not take off work because they lied to the officer who had helped me there. Tonight they are saying no check was released. They admitted the officer helping me that day was misinformed. 

I want my money and I can not afford to take time off work to go to XXXX again. They are not paying me interest nor are they footing the bill for my travels. I indicated when I opened the account to contact me via email and phone - preferring phone. I am a resident of another state and work in XXXX. This is why I wanted an online bank. 

Tonight they told me I have to call back in 5 days to see if the request to release my funds was granted and a check was mailed. I want my money! I have verified my identity twice online and in the bank in person! I work hard for my money and want this money.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX : ACCOUNT : XXXX XXXX XXXX XXXX : ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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