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

On XX/XX/XXXX I received a prequalified-offer to refinance my auto loan with upstart company, I submitted an application and was requested personal informacin such as driver license social etc, 2 days after I received an email in where they said my application is as approved that additional documentation was required. Co- owner concent, insure ce to show me on it and d deductables under {$1500.00} the co-owner did not received email to sign consent when we called to check on it customer service rep XXXX advised us there was tech difficulties on their end that prevented them to send said email and I advised that application was time sensitive, she reply since it was their fault they would they will adjust, on XX/XX/XXXX I called to inquired on status they resend form, co-owner signed it we also submitted proof of insurance with name on it they advice over the phone everything was good to go and to go ahead and wait for the check to be mailed to the current lean holder on my loan, and he hung up the phone 2 hours later I received an email saying application was denied, I called again and they said that since the deducible wasnt showing on the page they had cancel everything, I spoke to supervisor XXXX on the auto refinance operations team who did not provide me with any explanation was very rude, and just said there was nothing to do denied me to speak to some one else in the leadership team, I spent hundreds of Dollars getting the insurance they way the company needed it I drove 400 miles to get the co-owner paper work signed to be mislead by this company and to be turned away with out reason or attempt to fix issues. I need the above company to fix my application status and reimburse me for the money spent during this application.
Product: Checking or savings account

I opened a claim with Wells Fargo a few months ago after returning from vacation. I purchased city pass tickets for a vacation in XXXX. I paid and purchased a ticket for an infant however my infant child was not able to do any excursions with us as he was to young the company did not refund me or all my tickets as we would not attend I open a claim previous and it was closed I received a letter from Wells Fargo and they want to deduct XXXX from my account.
Product: Debt collection

Issue Summary with PROGRESSIVE MGMT SYSTEM Original Creditor : XXXX XXXX XXXX XXXX Current Holder of the Debt : PROGRESSIVE MGMT SYSTEM Account Type : Collection Date Opened : XX/XX/XXXX Status as of Last Update : Collection account, {$1600.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance as of Last Update : {$1600.00} Balance Updated : XX/XX/XXXX Original Balance : {$1500.00} Last Payment Date : XX/XX/XXXX Past Due Amount : {$1600.00} Responsibility : Individual Details of the Incident : The account in question originated from services provided by XXXX XXXX XXXX XXXX. The last payment recorded was on XX/XX/XXXX. Following this, the account balance increased from the original amount of {$1500.00} to {$1600.00} by XX/XX/XXXX, reflecting accrued interest or additional fees. 

Actions Taken by the Company : As of XX/XX/XXXX, the debt was transferred to PROGRESSIVE MGMT SYSTEM, and the account status was updated to reflect a collection status. There have been no further communications or explanations provided regarding how the original balance increased or why the account transitioned to collections after the last payment. 

Actions Taken by Me : Upon noticing the collection status on my credit report, efforts were made to understand the debt escalation from {$1500.00} to {$1600.00}. Requests for itemized billing statements and communications from both XXXX XXXX XXXX XXXX and PROGRESSIVE MGMT SYSTEM have been initiated to clarify the charges and confirm the accuracy of the debt reported. 

Requested Action : I am requesting a detailed breakdown of all charges leading to the current balance of {$1600.00}, including any interest and fees applied. Additionally, a review of the communication attempts made before transferring the account to a collection status is requested. If discrepancies are found or if prior notification requirements were not met, I request the immediate rectification of this issue, including the adjustment of the balance and removal of the collection status from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( last 4 SSN is 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 XXXX and 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 personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a mortgage loan account opened at Central Loan on XX/XX/XXXX under the account number ( XXXX ), and 2 student loan accounts opened at Dept of Ed on XX/XX/XXXX and under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries 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 # XXXX 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: Debt collection

Swiss Colony apparently sent product to an old home address and items were not received by me but were on my account. Items apparently never returned to Swiss Colony or forwarded to my new addres s.
Product: Credit reporting

This issue is with Equifax. They are not updating records in a timely manner. I have XXXX dispute that is 6 months old. The information in my accounts are correct with XXXX and XXXX but Equifax is not correct on several accounts that have been paid and closed. They list them as open paid but it is affecting my FICO score. The FICO score with Equifax is almost XXXX points lower than the other XXXX reporting agencies. This ongoing issue is making it hard for me to get financed at a normal interest rate or with getting financed at all..
Product: Mortgage

This letter is to lodge a formal complaint against both Bank of America and XXXX. Prior to transferring my mortgage account over to XXXX XXXX Bank of America committed numerous errors on my account. Despite XXXX letters addressed to the XXXX, XXXX to correct the matter remains unsolved. 
XXXX conducted has revealed evidence that Bank of America knowingly committed the act of fraud and deception when Bank of America paid my XX/XX/XXXX property taxes without any prior notification. 
Bank of America sole basis and claims of notification is a letter referencing what is now know to be a letter sent to me regarding my XX/XX/XXXX taxes not XX/XX/XXXX taxes as request. This egregious act of fraud and deceptive practices by Bank of America has caused me great emotional and financial stress as both Bank of America and XXXX financial continue to levy various fees, fines and penalties which has now impacted my account and credit rating. 
Based on the facts presented, it is my belief that Bank of America and XXXX are now in collusion to use this fraudulent act as an instrument to potentially foreclose on my property at XXXX, XXXX XXXX, Texas XXXX ( XXXX ). 
I have provided both Bank of America and XXXX all evidence. I am awaiting a response. Please investigate this matter and provide any guidance and you can. I can provide all documents as requested.
Product: Credit reporting or other personal consumer reports

After viewing my Consumer Reports, I've noticed some inconsistencies. Consumer Reporting Agencies play a crucial role in accuracy reporting consumer information. According to 15 US Code 1681e, it is imperative that the information being reported is of the utmost accuracy. XXXX XXXX shows a loan start date of XX/XX/year>23. However, I have NOT applied or signed loan documents directly with this company. They are also showing inconsistent last payment time periods across the 3 credit bureaus which is inaccurate. Equifax shows 30 days late. I have a loan with XXXX XXXX that started on XXXX/XXXX/23. However, the amounts owed are different from XXXX XXXX on all 3 bureaus, which is another inaccuracy. I have Exceptional payment history, and these inconsistencies were made without my knowledge and consent, and I request that the account and late payments be removed upon immediately.
Product: Credit reporting or other personal consumer reports

I disputed an address that's never been reported by me to anyone and Experian refuses to delete off my credit report. The address that's being reported inaccurately is XXXX XXXX XXXX, XXXX ca, XXXX My current address that is also on my current state driver 's license is XXXX XXXX XXXX XXXX # XXXX XXXX, CALIFORNIA XXXX
Product: Credit reporting or other personal consumer reports

I seen an advertisement for a credit building App called Kikoff so Towards the end of last year, I started an account with them, and on their app, In which I had to pay {$25.00} until I reached XXXX and they would report it every month that my payments were made on time. The problem is here they actually hurt me when trying to purchase a car because I was told they were reporting on my credit that I have an outstanding balance on a credit card where I dont even owe anybody anything and I dont have a credit card like Im literally giving them my money so Im confused because I was denied for the vehicle That I wanted and I only have {$500.00} to put down which wouldve been fine until discovering this and it bumped up to {$2000.00} but when I called them they act like they dont know what Im talking about. I dont understand how somebody could advertise to help your credit when they just hurt me financially due to this situation now I have no transportation to work Unless I come up with XXXX more dollars Because of Kikoff XXXX that was it, I was told everything else looked at perfect and was verified
Product: Checking or savings account

About 1-2 weeks ago, I opened a 360 Savings Account with Capital One, and shortly after, I transferred funds from an external, verified bank account into the new Capital One account. To my surprise, I received a notification from Capital One stating that my account had been flagged for unusual activity and that it would be closed. This was a complete shock to me, as I had no idea what could have triggered such a flag. While I understand that financial institutions need to take precautions to protect against fraud and ensure security, this situation has left me frustrated and confused. 

I am now in the process of trying to recover my funds, but Capital Ones response has been far from helpful. It feels as though they are dragging their feet, and Im left in a limbo, unable to access the money I rightfully deposited. Despite my efforts to resolve this matter, it seems as though Capital One is holding my money hostage with little explanation or urgency in addressing the situation. Its incredibly stressful, and Im doing everything I can to get my funds back, but the lack of communication and delay is becoming increasingly concerning.
Product: Money transfer, virtual currency, or money service

I sold {$1800.00} worth of XXXX on PayPal. The account was frozen for 180 days. I was supposed to receive the money after 180 days but they are still not releasing it. The money belongs to me. It is mine. PayPal needs to give it to me so I can transfer it to my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sold my account to XXXX XXXX in XX/XX/XXXX. I paid XXXX XXXX in full as agreed upon. XXXX XXXX deleted their information from my credit report. When I asked XXXX XXXX XXXX to take the information off my credit report, XXXX XXXX XXXX started to report me as " failed to pay ''. I have filed disputes with XXXX XXXX XXXX, which they choose to ignore or say they never received my dispute. The last one I did wasXX/XX/XXXX ( see attached letter ). Every time I ask them to remove the negative they mark me as failed to pay. I have even asked Experian to do a dispute with no results. They have marked me as failed to pay a total of three times on a charged off account where I have repaid the debt to the creditor. I am asking to have these three negatives as well as the entire XXXX XXXX XXXX history removed. I was close to being able to buy a home, but the last time they reported me failed to pay my score dropped 30 points. I feel this is unfair to me since they sold the account 6 years ago. XXXX XXXX XXXX XXXX not be allowed to report on a charged off account. Thank you.
Product: Credit card

Hi I have XXXX credit cards with XXXX  and they charge credit card limit increase fees. I agree to pay interest and for some cards annual fees, but limit increase fee, its too much. I found this " The CFPB 's regulations ( specifically XXXX ) prohibit card issuers from requiring consumers to pay additional fees that would otherwise be prohibited, such as a fee for increasing the credit limit. " and they should consider this warning. I have been charged in XX/XX/XXXX and XXXX, {$49.00} each year and also on the card end XXXX, another limit increase fee for {$49.00}. I am looking to get these funds back and not be charged anymore.
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 insurance and actions were authorized, I was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted  XXXX   XX/XX/XXXX  by online for inquiry removal where in which I have no contract with these entities listed on my report :   XXXX   XXXX    XX/XX/XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX  EACH COMPANY STATES THE WILL NOT REMOVE INQUIRY BASED ON POSTING IN REPORTS AND SINCE NO AGREEMENT POSTS OR IDENTIFY AS ACTUAL ACCOUNTS ON REPORTS IT IS NOT THEIR FAULT. I REQUESTED TO ALL REMOVED ON THE FACT THEIR ARE NO AGREEMENTS MADE TO POST AND TO PULL MY CREDIT WITHOUT CONSENT.
Product: Vehicle loan or lease

In XXXX of XXXX I put XXXX down on a XXXX Nissan XXXX and my credit was run 9xs from different companies. Brought my score down tremendously
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA COLLECTS ON ID THEFT. USAA does not follow FTC Guidelines on web consumer information ftc. gov Report ID Theft. 
Credit Cards ID THEFT INCLUDE : 1 ) Unauthorized Charges USAA is well aware of Unauthorized Charges XX/XX/XXXX. XXXX XXXX XX/XX/XXXX USAA FRAUD CLAIM DATE XX/XX/XXXX {$470.00} UNAUTHORIZED. 
2 ) Charges for goods & services you did not accept or that were not delivered into your hands as agreed.USAA DENIED MY REQUEST TO PROVIDE WRITTEN DOCUMENTATION PURCHASES MADE BY ME ie IP address AND ACCEPTED DELIVERY signature post office or delivered into my hands ( see attatched Criminal Investigation letter of XX/XX/XXXX USPS NOT DELIVERED BEGINNING XX/XX/XXXX ) Furthermore FTC is very clear if creditor is 15 days too late OR TAKES MORE THAN TWO BILLING CYCLES TO RESOLVE DISPUTE. XXXX SEE ALL UNRESOLVED FRAUD BELOW ** Kindly Note attatched FRAUD LETTER CLAIM DATE XX/XX/XXXX TOOK UNTIL XX/XX/XXXX. Ten 10 months TO COMPLETE THE FRAUD INVESTIGATION OF XX/XX/XXXX. Kindly Note attatched XX/XX/XXXX statement THERE ARE NO USAA CREDITS. Futhermore see attatched. NUMEROUS UNRESOLVED FRAUDS USAA FAILS TO RESOLVE. ( see attatched XXXX   Dispute USAA has Certified to XXXX that the information is Accurate. THIS IS FALSE CREDIT REPORTING AND ILLEGAL. THIS HAS NEVER BEEN RESOLVED TWO YEARS LATER!!!???!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX XXXX Department TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

My Complaint is against the Collection Bureau of Kansas who also goes by the possible alias? of XXXX XXXX XXXX Attorney at Law. I have been having trouble with that office for years ie complaints to XXXX, BBB, local courts and now have taken a step to contact the Missouri Attorney General as well as the Kansas Attorney General. The complaints are from a-z ie continuous and overwhelming phone calls from that office a few years ago to now having a judgement on my credit that has now effected my opportunity to get a lease on a townhome. I decided I would submit another complaint through here in hopes to help other families that he has had a negative impact on and to hopefully draw in an investigation on what goes on in his office. I have been in communication with his office too and have had very poor Customer Service as well as dishonesty and a hint of corruption. His office says they do not buy debt but XXXX XXXX XXXX ( XXXX ) who is now XXXX XXXX ( XXXX ) says he bought the debt when the hospital was bought out and it is out of their hands to help. I would like to see an investigation into this company and its practices. There are so many details I could share via documents, notes from conversations and emails that point to an office that is causing more questions than answers. His office has now garnished more than the original amount owed too. Is there not something that CPB can do to change how Medical Debt is handled and how collection agencies like the Collection Bureau of Kansas aka XXXX XXXX XXXX operates or if he can even legally operate in this way?
Product: Checking or savings account

Citi called my phone as I was returning from XXXX and said that someone had tried to use my card in XXXX. She said there were XXXX charges. Afterward, I get an e-mail informing me that I authorized a wire transfer fraud. After calling Citibank, I waited on hold for hours to explain what had happened. The wire Fraud dept said they got over XXXX people that day. It took them until the next day to reach me. They had me contact the Citibank wire fraud department. I need my money and I have been waiting patiently. Despite my patience, I never heard from anyone regarding the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX DEPT OF XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX I XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX, XXXX XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX