23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

hello i'am having a serious problem with my Ashley home store synchrony bank credit card that I was approved for back in XXXX 2020.i 've been using this card to make a purchase online and in store at Ashley home store since XXXX.the card used to have a limit of {$6800.00} in that same year I made a purchase of {$4800.00} and I was able to clear the balance by the end of XXXXi went to XXXX in XX/XX/2022 and I used the card to make a purchase in one of their store in XXXX for a total of $ XXXXand that purchase come with 0 apr for 24 months.i made the first payment to the card in XX/XX/2022 and the next payment didn't post to the account I called them right away to inquire about the problem, later one the post a {$51.00} minimum payment to the account .I made one time payment to clear that out .the following day they switch up the minimum payment to a full balance clearance because they have my checking account numbers.i called my bank and blocked the transaction.until now they closed the account without a valid reason.iam reporting this because the disclosure of the account differs from the the way they proceed to close the account, there is any legal way to solve this issue, they actually report this to the 3 credits bureaux as default on payment to the account.how can I get this issue solve.
Product: Checking or savings account

I deposit two checks at my bank Citizens bank on XX/XX/year>, issue by The U.S. Treasury ( Social Security Office ) in the amount of {$57000.00} and another one for {$57000.00} the bank said that my funds will be available on XX/XX/year>. On XX/XX/year> I went into my bank to withdraw some funds and they told me that my funds are on hold and sent me a letter of Notice of Extension of hold on deposit until XX/XX/year>. On XX/XX/year>, I went back into my bank to withdraw some funds and they told me that the funds won't be available until XX/XX/year>, give me your phone number and we will contact you which I have done. On XX/XX/year> someone at the bank contacted me and stated that they has put a stop on my check and will not be issuing any funds so I ask for my check back and they said to me we don't have it.
Product: Money transfer, virtual currency, or money service

( 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 proces-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. 
XXXX
Product: Credit reporting or other personal consumer reports

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

Account name : 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 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.

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, 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 may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Product: Debt collection

This company AR Resources has put a deragatory collection account on my XXXX credit bureau reports as of XXXX/XXXX/16 but did n't pop up until XXXX/XXXX/2016. For a medical collection from XXXX XXXX XXXX. I have never ever heard of them and I believe that this is fraud. I have attached a police report and FTC Affidavit and I want it removed
Product: Debt collection

Paid {$160.00} on a medical bill, I was told by Paying the account it would be removed from my credit report, it's been 4 months and it still shows on my report RSI, XXXX Confirmation number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding a charged off account that is reporting on my Experian credit report. The account is XXXX - XXXX XXXX XXXX. This account should not be reporting on my credit report because this account was sold to a collection agency. This is double jeopardy to report the same account. Experian is also reporting incorrect payment history. The account was only late in XX/XX/17, XX/XX/17, and XX/XX/17, but Experian is reporting XX/XX/2017 and XX/XX/2017 which is incorrect. The data furnished is also inconsistent such as account numbers and last activity date. Not only are you in violation because this is a double jeopardy account, but for furnishing inaccurate and inconsistent data. I am asking for the removal of this account immediately. Credit report attached showing all of the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. 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. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft PENTAGON FCU Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

Upon reviewing my credit report, I have discovered fraudulent accounts that were not caused by any error on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Credit Bureau Name XXXX, EQUIFAX, XX/XX/XXXXCredit Bureau Address Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my XXXX, EQUIFAX, XXXX  credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into 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 AUTO inquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, XXXX XXXX
Product: Credit card

I applied for a loan with car max dealership. I gave them my social security number in order to be approved since I am the original creditor meaning they take my social they go into my trust and get whatever the amount is for the loan. Carmax is not using their own money to fund this loan, and they still denied my application on XXXX I recently sent them a letter via mail. In which they responded their is nothing they can do. So Im willing to give them another chance to resolve this situation as I am doing everything out of good faith.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Inquiry by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  To Whom It May Concern : On XX/XX/year>, I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding a XXXX XXXX XXXX. During our conversation, I was quoted a lease price of {$400.00} for the vehicle, including delivery and Virginia sales tax. I authorized the dealership to proceed with the purchase. They subsequently altered the price to {$420.00}, bait and switch? 

I explicitly informed XXXX, the sales XXXX, that my personal banker at XXXX XXXX advised the dealership should not pull my credit. Instead, they were instructed to submit the necessary information directly to XXXX XXXX. I even confirmed this instruction via text message and herein submit relevant photo evidence. 

Despite my clear instructions, XXXX XXXX XXXX proceeded to pull my credit report from all three credit bureaus without my consent. Additionally, they had XXXX XXXX  initiate a credit inquiry. As evidence, I have attached the relevant text messages as well as a XXXX file of the inquiry reflecting at each of the credit bureaus. 

Due to this unauthorized credit inquiry, I decided to cancel the entire deal. I promptly notified all three credit bureaus about the situation, but unfortunately, they have been uncooperative. Furthermore, XXXX XXXX XXXX has failed to honor their promise to remove the inquiries. 

I kindly request your assistance in resolving this matter. I believe that XXXX XXXX XXXX 's actions were not only unethical but also illegal. Please investigate this incident and take appropriate action to rectify the situation. 

Thank you for your attention to this issue. 

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

I have attempted to disput e an issue with XXXX XXXX. I have sent a letter of validation with cease and desist to them back in XXXX and disputing with each of the credit companies. FIRST AND FOREMOST XXXX DID NOT PROVIDE ME THE INFORMATION THEY ARE REQUIRED TO DO SO BY LAW. The only provided me a print off of a statement and no contract or any other details as they are required to do Pursuant to Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, 13-2026, 2014 WL 3440174 ( 6th Cir. July 16, 2014 ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. Do you have the right person? Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt amount to you and that dispute should be stated on my credit report. 
Instead what they did was look at my credit report, updated with different information that they have not been clear about, did not put a statement on my credit report as requested and never sent me the contract the original contract for the loan. I have been requesting this for XXXX  years. The credit reporting companies also did not follow for a credit reporting. This is my last opportunity that I am giving them before I file a lawsuit. I will force them into arbitration as well all of them if necessary. I want the original contract I want the laws followed.
Product: Checking or savings account

The day of XX/XX/XXXX XXXX my insurance payment had gone through which over drew my account, that payment was {$160.00} and some change. I called the bank the next morning they said if I had the money in by XXXX I would be fine. During the day of XX/XX/XXXX, I worked all day to cover those funds. During that day I spent more money on gas {$25.00} and some change and also some food ( two charges ) Knowing I would also cover these charges. Before XXXX I covered the insurance payment. I also covered all the other payments. By the time I ended work that evening my account was in the positive amount. 
The next morning I woke to three insufficient funds, charges from the gas amount and two food purchases. Even though my account was in the positive. I called headquarters and the man was saying stuff that didnt make since, even though he clearly admitted seeing my account was in positive the night before. He kept saying some excuse, was actually unfriendly. He wouldnt help me. I then went to my local branch and they wouldnt help me either. Now my account is {$100.00} in the negative, from three {$34.00} insufficient funds. 
That day XX/XX/XXXX I had to get more fuel for my car. I spent {$45.00} on fuel and again I made money to cover that amount before XXXX XXXX. And had deposited in my account. Then the next morning they added another insufficient fund to my account totaling 4. I stopped using the account and putting money into it because I cant afford to pay off these fees, my money needs to go to things that are needed. Also this incident is messing up my scheduled automatic payments that are starting to roll in.
Product: Payday loan, title loan, personal loan, or advance loan

I woke up to a withdraw of an amount from com Fundo, which is an online cash advanced loan place of money taken out. I immediately contacted the bank. They said to contact customer solutions and the fraud identity department in doing so I set up the procedure because it appeared this company had gotten a hold of my account number from my bank After a few weeks. This was eventually resolved. My account was closed at the bank and the funds that shouldnt have been taken out were indeed fraudulent so they were replaced from my account and all overdraft and late fees theyre in from the bank. The company contacted me via phone in early XXXX right when all of this was happening, they left a threatening message that this would go to collections within their company, and then my wages would be garnished my bank as well as an attorney advised me to ignore the call. I received another call yesterday XX/XX/XXXX so over two months XXXX XXXX months after this has happened Stating that I was already in collections and my wages will be garnished. If I dont communicate I called back the number I spoke to a woman. I said I was walking into a meeting, which was true. I stated to please send me an email with assigned contract and what options there are because this isnt my loan She sent an email stating I need to get back to making my weekly payments as arranged. I wrote back and said I had an identity issue. I dont believe this is my debt at all. Please respond with the signed contract. She responded with the screenshot. Im going to attach which is not assigned contract as far as I know as advised by the bank since this is fraud and their investigation is top-notch. This should be resolved. My concern is their saying I borrowed upwards of {$3500.00} and I owe them upwards of {$6000.00}. This is very offputting and very upsetting
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am writing to bring to your attention a significant matter regarding my credit profile. Over the past three years, I have fallen victim to multiple instances of identity theft, resulting in numerous compromised credit accounts. In response to this unfortunate situation, I have taken necessary steps to notify all credit services and creditors to cease reporting these accounts on my credit profile. Additionally, I have filed an FTC report as supporting evidence.

Regrettably, the continued reporting of these compromised accounts on my credit profile has left me with no choice but to pursue legal action against the credit services involved. It is important to note that individuals and entities persisting in reporting these fraudulent accounts may potentially be named in the pending lawsuit for violating the Fair Debt Collection Practice Act.

Therefore, this correspondence serves as an official notice urging the immediate cessation of reporting any fraudulent accounts listed. I hope for your cooperation in rectifying this matter promptly. 

Sincerely, XXXX XXXX
Product: Checking or savings account

This is the third attempt to ask US bank to correct this error by allowing fake checks with the same check number to be cashed multiple times. The check was issued by US Bank as an online payment to my mortgage bank, which is XXXX XXXX. The check was stolen and the payable to was altered and was deposited three times. US bank rejected the first deposit attempt, but cleared the second and third deposit. The amount of the check is {$1100.00}. The two successful deposits are total {$2200.00}. This is US bank 's responsibility who allowed fake checks with the same check number to be cashed twice, and ironically, the fake check was rejected the first time but allowed to be cashed twice afterward and the check was written by US bank itself. With the two years long back and forth, US Bank only refunded bank one check amount of {$1100.00} and refused to refund the second fake check deposit. The Bank representative called and accused me of making trouble and refused further discussion to resolve the issue. Additionally, seeking help from federal banking authorities could be another way for resolution. Attached with the highlighted statement that shown the three withdrawn transactions. I'm in hope that US Bank will take this seriously and refund the {$1100.00}.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX on XX/XX/XXXX and begin monthly payments of {$480.00} on XX/XX/XXXX thru XX/XX/XXXX timely with no late payments. I had financial difficulties and had trouble making the payment. On XX/XX/XXXX my husband had a car accident in the vehicle ( to no fault of his own ) but it took three months for the repairs to complete and caused additional financial strain because car rental costs that exceeded the coverage had to be paid. The vehicle was released from the auto body shop and two days later XX/XX/XXXX the vehicle was repossessed for having past due payments of {$1700.00}. On Monday, XX/XX/XXXX the {$1700.00} was paid in full by my mother in law via checking & routing but Bridgecrest will not release the vehicle. Instead, they are holding it for an additional 14 days in order to collect more fees and transfer the vehicle to the state of Nevada and charge me transportation costs, repo fees and redemption fee for the auction place in Nevada. My mother in law confirmed with the bank that monies have been deducted from her account yet Bridgecrest will not honor this transaction. My other issue is that Bridgecrest will not confirm any cost in writing, I spoke to XXXX once, XXXX once and XXXX twice whom all said that if I pay {$1500.00} I can receive my vehicle and work out an arrangement for any additional costs, instead I received a Notice of Intent ( NOI ) letter that request {$2800.00}. Over the phone I'm being told that the NOI is standard and those fees aren't guaranteed either and to accept their verbal agreement but since the past due was paid via checking & routing instead of debit/credit I'm being penalized. I need for this vehicle to be released immediately because all of the past due is current and I have a new payment coming up next week. This is a great cheat and the finance charges are extremely high and overwhelming. I want to add that I also have a second loan with the company with a perfect payment history but it doesn't matter to them, all they want is to make people with credit challenges worse when they have a hiccup in payments.
Product: Vehicle loan or lease

I obtained pre-approval for financing through my credit union prior to purchasing a vehicle from Larry H. Miller XXXX XXXX in XXXX XXXX, CO. I was informed that I needed to fill out their loan application paperwork before they could approve financing. I filled out the paperwork and provided my SSN. I told them I did not want XXXX XXXX and was told that I was not applying for a XXXX Loan. I was told by the sales person that they needed the information for their records in case they " got audited. '' It turns out that the finance manager still made credit inquiries on behalf of the dealership, despite them fully knowing that I had been pre-approved for a loan through the credit union. <P/>I did not authorize a credit inquiry on behalf of the dealership. Their actions are counter to FTC Notice of XXXX XXXX, 1998 which states " [ A ] n automobile dealer may obtain a report only in those circumstances in which the consumer clearly understands that he or she is initiating the purchase or lease of a vehicle and the seller has a legitimate business need for the consumer report to complete the transaction. ''
Product: Credit reporting

Please see attached information. 

Now the credit reporting agencies show XXXX late payments FOR PRODUCTS I DID NOT BUY AND CANCELLED DUE TO THE STORES INABILITY TO HAVE AND DELIVER THE PRODUCTS! 
This regrettable action has made me lose my mortgage and also a home equity loan on a home already FULLY PAID FOR! Additionally, I had a credit card notify me my credit limit went from {$7000.00} down to {$500.00}! 
The store, " Menards '' has used both the credit card company and reporting agency as a vehicle to ruin my credit and damage my family, FOR A DEBT I DO NOT OWE! 
My family is rightfully infuriated over this senseless, needless extortion of my family through the erroneous and deceptive practices of this merchant and request immediate resolution to this issue! 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX Bank, Account # XXXX XXXX  Bank XXXX XXXX XXXX Account # XXXX XXXX & XXXX XXXX And XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 A, States I have the right to privacy 15 USC 1682 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

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