23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have no knowledge of or have ever been connected to the following information : Address 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: Credit reporting or other personal consumer reports

I have already brought this matter to XXXX, XXXX AND EQUIFAX. attention However, THEY have failed to take appropriate action to investigate and delete inaccurate information within the legally required timeframe. This failure to comply with the FCRA, despite having been notified, constitutes willful noncompliance as outlined under 15 U.S. Code 1681n. 

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  Impact of Noncompliance : Due to your failure to address this issue properly, I have suffered damages, including but not limited to : Lower credit score : Resulting in the denial of credit or higher interest rates. 
Emotional distress : Caused by the negative impact of inaccurate credit reporting. 
Financial harm : Due to credit denials or unfavorable terms for loans or credit lines. 
My Demands : In light of the harm caused by your willful noncompliance with the FCRA, I am requesting : Immediate removal of the inaccurate information that your company is reporting to my credit. 

If you do not remove these accounts, I will be forced to sue You should also know that I am keeping a record of all communications relating to this matter including this letter. Should the issue not be resolved within the statutory period, I reserve the right to pursue legal remedies.15 USC 1681n - Civil liability for willful noncompliance Compensation for damages : I reserve the right to pursue legal action under 15 U.S. Code 1681n to seek actual damages, statutory damages, and punitive damages, along with attorneys fees and costs if necessary.
Product: Checking or savings account

Got a letter from Chase explaining that I was going to start getting charged a monthly fee for a business account that I haven't used in a long time. I called in to instead close this account. Was told by the Chase representative that they will not close the account unless I physically go into a Chase branch.
Product: Checking or savings account

Citibank accounts, checking and savings, on XX/XX/2022 were blocked and will be closed by the fraud department at Citibank. We have no explanation and no access to our money. I am XXXX and my wife is XXXX XXXX XXXX. We have been banking at Citibank for 36 years. We are certainly not involved in fraud. Their only action to help me, after spending hours on the phone and a visit to our local branch, was to indicate that I will be getting a letter from them in 60 days. In the meantime, I can not get access to my money. This is a disgrace. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to file a complaint against TransUnion credit reporting agency for violation of the Fair Credit Reporting Act ( FCRA ) and my privacy rights as a consumer. 

Specifically, TransUnion has failed to report my personal and account information with accuracy and fairness, in violation of U.S.C. 1681e ( b ), which requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Furthermore, TransUnion has allowed hundreds of promotional and account review inquiries to my account without my explicit written or oral consent, in violation of U.S.C. 1681b ( c ) ( 1 ), which states that credit reporting agencies may only furnish a consumer report for " permissible purposes. '' This affects my ability to utilize the banking system fairly and hinders the permissible purposes of consumer reports by law. 

Additionally, TransUnion has violated my privacy rights by allowing unauthorized access to my account information, in violation of U.S.C. 1681b ( a ) ( 3 ), which states that credit reporting agencies may only furnish a consumer report to " a person with a legitimate business need. '' The burden of proof is on TransUnion to provide the most accurate information, as stated in U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Therefore, in light of these violations, I am requesting the following actions be taken by TransUnion : Immediate deletion of multiple repetitive addresses reported, to my current legal address ( i.e., XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX ) Deletion of all outdated employment history being reported ( i.e., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) Deletion of all unauthorized promotional inquiries and account review inquiries Deletion of any third-party supplemental information that violates my privacy rights by law I am also requesting that TransUnion take XXXX action to correct any other inaccuracies or violations of my privacy rights as a consumer, and to ensure that all future reporting of my personal and account information is done with accuracy, privacy, and fairness as per the U.S.C. 1681e ( b ) and U.S.C. 1681b ( c ) ( 1 ) Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I sent NAVY FEDERAL XXXX XXXX, XXXX a Security Registered mail for payment in the full amount of ( {$50000.00} ) NAVY FEDERAL XXXX XXXX, XXXX received the registered mail on XX/XX/2023 at XXXX XXXX. I instructed NAVY FEDERAL XXXX XXXX, XXXX to communicate only in writing. I have done 4 follow up calls since then to check on the status of the payment, after waiting 5 business days to make sure the registered mail was received the first person I spoke with was XXXX on XX/XX/2023 who confirmed that the registered mail was received & it was going through processing, I should get a update in 5 business days. Once the 5 business days past without receiving any response in writing from NAVY FEDERAL XXXX XXXX, XXXX I have done a second follow up call & spoke with XXXX on XX/XX/2023 he then confirmed that the payment was still going through processing, I also reminded XXXX to make sure all updates should be sent to me in writing. I checked my mailbox, email & etc but still haven't received any update on this matter. I called NAVY FEDERAL XXXX XXXX , XXXX & asked why haven't I received an update yet & they hung up on me mid sentence. Its been 12 business days and counting since NAVY FEDERAL XXXX XXXX, XXXX has been holding on to my securities without honoring or giving any updates in writing for their reason of non performance of fiduciary duty. I gave them full instructions in a letter in the registered mail notarized specifically if they do not honor my security to please send it back, I also reminded them of UCC 3-603 & UCC 3-604 & other codes, NAVY FEDERAL XXXX XXXX , XXXX is performing securities fraud by holding on to my securities & refusing to send it back to the lawful owner. 
Thank you Done in good faith.
Product: Money transfer, virtual currency, or money service

Starting XX/XX/year>, and ending XX/XX/year>, I was paying a fraudulent law firm called XXXX XXXX XXXX XXXX {$200.00} for a total of {$800.00}. After making the full payment, I would contact the company regarding the case, but I never received any response. They promised to call me back, but I never got a call or an email. I opened a case to get my money back through Cash App, but I was denied.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 XXXXXX/XX/XXXX CBC - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, personal loan, or advance loan

I have disputed this information on my three credit reports several times no actions were taken. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this account actually belongs to me.
Product: Debt collection

In 2018, I took an apartment tour with XXXX XXXX XXXX. I never signed a single document or agreement. I took a tour of this apartment but I could not afford it because I had no job or money. I never gave my signature away for any type of lease agreement. I NEVER verbally or physically signed any document or rental agreements. A few months later, this company ( XXXX XXXX XXXX ) sent a debt to collections for {$3400.00} saying I owed them for a lease agreement. 
I tried multiple occasions to reach out to XXXX XXXX XXXX for proof of signed documents from me. I had a lawyer reach out to this company as well demanding for proof of signed lease agreements. This company has declined and avoided every attempt to provide evidence. To state once again, I never signed a rental agreement with XXXX XXXX XXXX. Therefore, this company has frauded me for {$3400.00}. 

I hope to see this issue resolved and off my credit debts. Thank you in advance.
Product: Credit reporting or other personal consumer reports

I filed XXXX  XXXX Bankruptcy, this Bankruptcy was XXXX XXXX. I contacted all creditors and credit bureaus to ensure they have up to date accurate information, all bureaus updated all information on all accounts accurately except for XXXX and XXXX. I pay a monthly membership fee to XXXX for services to see and dispute my credit report. last 20 days I have filed over XXXX disputes, with all results being that XXXX finds the current information to be accurate and no changes made.XXXX made changes more severe, it is very clear bankruptcy is not a charge off. On XX/XX/2024 my XXXX credit score I could see was XXXX, XX/XX/2024 my score XXXX, XXXX XXXX Acct beginning with XXXX reported after my discharge that my account with them is Charged Off, with Balance of {$3500.00} and XXXX XXXX of - {$3500.00}, Comments " Charge Off ''. Paymen legend stating charge off. I 1st filed a complaint in regards to this on my XXXX with cfpb, now XXXX XXXX is retailaiting against me by now attacking my credit profile with XXXX. XXXX refuses to update this account as XXXX XXXX XXXX Bankruptcy, failing to update balance to {$0.00}, failing to update avail credit to {$0.00} and failing to update historical data to reflect the discharge. I am suffering from XXXX and XXXX XXXX illegale reporting to my credit file, I have been turned down for credit offerings, jobs, work assignments, as purpose in XXXX  XXXX bankruptcy is to offer Americans a XXXX chance / fresh start and XXXX and XXXX XXXX are dilibertly causing un-repairable harm to me by the wontan disregard of my Constitutinal Rights & Rights afforded to me within my State and of The United States Of America. I am seeking for my credit file regarding this issue be corrected immendiately with out delay and financial compensation for damages, pain and suffering, damages for violating my Rights.
Product: Debt collection

They call me 2 to 3 times a day, every weekday. They also use different numbers so I can't block them all. Received 3 calls just today, this needs to stop!
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX 2 charges was posted on the account for which 3 fees of {$35.00} a piece was charged for a total of {$100.00}. One of the charges was for a {$25.00} transferee to savings! The other was to XXXX. Don't know why there was a third {$35.00} charge. I have been here before. Complaint # XXXX was filed on XX/XX/XXXX and in it I strongly objected to these overdraft charges and asked that they not be charged again. That was after a trip to the bank and having a discussion with the branch manager. But here we are again. DO NOT PAY ANY CHARTGES IF THERE IS NOT ENOUGH MONEY IN THE ACCOUNT! I was told that the bank does this as a benefit to me but the only one benefiting is the bank with these $ XXXX charges. STOP IT!!!! I even received a letter from the bank dated XX/XX/XXXX saying that if you do not want the overdraft service please let the bank know. Really? How many times do I have to tell you?
Product: Vehicle loan or lease

Context : We have XXXX XXXX ( XXXX ), a very happy customer of the car. Two days back, our tire got flat. My wife was driving the car with my XXXX kids ( XXXX year old ). Luckily the incident happened 1 mile from home, in the XXXX XXXX area. 

I was able to reach there after office and got roadside assistance through my insurance along the way. It turns our after waiting for roadside assistance : we do not have a spare wheel, we also do not have the kit to fix flat tire. After calling XXXX customer service : i was confirmed that there should be a flat tire kit atleast. 

Fast Forward, next day we towed the car to nearby XXXX XXXX, XXXX dealership. The dealership was very nice and took over the Flat Tire case. They fixed the car the next day XXXX. We also found out in the process that one more tire was bad. 

After 1.5 years and <8K miles on the road : the car has gotten into wear and tear. My wife did not hit any pothole/nails during her <1 mile drive from home. In the process of parking the car at a safer place the the tire got little more damaged. 

Note : The last we had filled air was 11 months back when we did our 1st year service at the same XXXX XXXX. I am suspecting the diagnostics on the car did not reveal low tire pressure. The dealership also confirmed the air pressure was low. 

Claim : XXXX should cover the wear and tear of the Tire and pay for the Fees charged by XXXX service since its a brand new car ( leased from them ).
Product: Prepaid card

I purchased XXXX pre-paid Visa cards at XXXX at XXXX XXXX grocery store for the total of {$1000.00} for my family as gifts each card totaled {$250.00}, i have had numerous calls to Visa who knows the cards were compromised and where, i have had no help from them on this issue!!, I filed an XXXX XXXX dispute for {$250.00} on XXXX of the pre-paid cards and won, leaving a balance of {$750.00} they owe me, they sent me a replacement card with a balance of {$55.00} on it? ( still owe me {$190.00} on that XXXX ) then my sister was able to use hers for {$110.00} until it was compromised and a thief stole the rest of the funds, she was told that she won that dispute but they did not send a replacement card or any way to get the funds back, they owe me {$570.00} plus fax and other expenses thru this process, they expect me to be able to reach an associate at their phone # XXXX ( XXXX ) XXXX never returning my calls ( even though i 've faxed all per tenant information and included all info they request on the answering service ), it has been a total nightmare and their hiding behind the veil of a large corporation that offers NO help or resolution to this issue, i have a paper trail and all receipts pertaining to this transaction and have had NO help, i 've called numerous people and have NO resolution.
Product: Credit reporting or other personal consumer reports

As XXXX protected consumer I am being violated by Experian, XXXX, XXXX to make sure proper steps are taking to insure credit accuracy. They failure of compliance has continued after nothing is being done regarding these collection accounts reporting, charge offs are considered a Certificate indebtedness and must not be report it to my credit report. 

XXXX Acct : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Acct XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) Acct : # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Acct : # XXXX XXXX XXXX Acct : # XXXX 15 USC 6801 illegal to report transaction history also I did not give these companies written consent to furnisher my information which is also a violation the information privacy act.
Product: Debt collection

This debt company XXXX XXXX XXXX is misrepresenting the amount owed, and this collection was resold by XXXX Premier Auto Credit XXXX after being closed. This was a lemon vehicle that was sold to me in 2015 and caught fire with me and my children in it due to problems on it the dealer wouldn't fix. thankfully we got out safe, but the finance company still charged me for the car that caught fire a year later. 

They are harassing me with this collection that should fell off my report after 7yrs, here it is 7yrs later and they are still harassing me and reselling it to other collectors to harass me. The lemon car catching fire with my family in it was traumatizing enough now they harass me more. Its stressful.
Product: Credit card or prepaid card

I'M WRITING IN REGARDS TO REOPENING MY CAPITAL ONE SECURED CREDIT CARD. I WOULD LIKE TO OPEN MY ACCOUNT.. IM NOT ASKING FOR AN INCREASE BUT IM ASKING TO HELP BUILD MY CREDIT.. THIS CARD HELPED OUT AND IM NT HAPPY ABOUT BEING CLOSED WITHOUT MY CONSENT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Received XXXX letter confirming identity theft from XXXX and is still ongoing
Product: Payday loan, title loan, or personal loan

I applied for a water treatment equipment with XXXX XXXX XXXX NC, They came and installed a water treatment equipment that do not operate according to our needs and what they offer me from the beginning of our discussion. 
The seller tell me the I can try the equipment. He asked me to sign a document and I provided my social security number and bank account. A month later Aqua Finance Inc appears in my credit report with a loan for {$8400.00}. I never authorized XXXX XXXX or Aqua Finance to run my credit. 
I contacted Aqua Finance XXXX XXXX water several times and they are ignoring my request regarding my credit inquiry with out authorization. 
Aqua Finance XXXX I spoke with XXXX XXXX Account appears in my credit XXXX XXXX XXXX XXXX : XXXX XXXX email XXXX phone XXXX Mobile XXXX XXXX XXXX email XXXX I NEVER AUTHORIZED XXXX OR AQUA FINANCE to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified all 3 credit reporting agencies XXXX XXXX XXXX and XXXX XXXX that the Chapter XXXX Bankruptcy was an error starting with the court. My husband filed for a joint Chapter XXXX but I asked to be dismissed at the meeting of the creditors. The trustee agreed to remove me and allow my husband to go forward. Many trips later to court I found out I was never removed. I was able to finally get the judge to dismiss my case but it was 2 years later! I disputed my credit bureau reporting numerous times. I even submitted my court paperwork as well as 2 years of my on time mortgage payments. All during this time my mortgage disappeared off my report, then reappeared then was removed, my open credit cards were saying they were part of a bankruptcy and I was unable to refinance my house. Im being first punished by a court error then the credit reporting agencies for reporting information that is not correct. I cant get ahead with my credit because all my hard work ( mortgage ) is no longer reporting. Im asking for my Chapter XXXX dismissed case to be removed from all 3 credit bureaus.
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 an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process is unfair and deceptive as they do 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 at I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX & XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: 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 imely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process 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 inancial loss, and I seeking appropriate redress for these violations.
Product: Checking or savings account

I sent XXXX $ From Goldman Sachs USA to XXXX on XX/XX/20 and they emailed me stating it was completed but when I called to find it they told me it would be 3 Days. 
I still havent seen the funds