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

I purchased a XXXX XXXX XXXX on XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX. The car cost {$15000.00} and I was charged $! XXXX for taxes and a {$150.00} admin charge. That total came up to {$17000.00}. I put {$3000.00} down on the vehicle and the price dropped to {$14000.00}. This should have been the amount that I financed for the vehicle. The actual amount that I ended up financing was {$17000.00}. I guess they included the license and registration fee. The cost to finance my car came out to {$19000.00}. The finance charge was XXXX XXXX My total of payments came to {$36000.00}. {$3000.00} ( my down payment ) was added on to that making the total sale price of the car {$39000.00} for a XXXX XXXX XXXX with over XXXX miles on it. My payments were suppose to be {$500.00} for 72 months with the first payment beginning XX/XX/2020. After making over two years worth of payments, I now realize that I will never pay this car off because all of the payments are going toward the interest that continues to accumulate. I was supposed to try and get the car refinanced after the first year, but the car loan itself is so bad that I could not find a financial institution willing to refinance my car. I have paid over {$3000.00} in repairs for my vehicle and it still has a mechanical problem. Sometimes, the car just won't start. It has the auto-shut-off-auto-start feature and it seems to have a computer problem. I only take my car to the dealership and they are not sure what's wrong with it. The principle balance on my car is currently {$17000.00}. Remember, it started out at {$17000.00}. I contacted the finance company concerning this matter to see if I can get the interest rate adjusted, but they just told me that the payments will basically adjust themselves. I don't see how. I see no end to this. This car loan has negatively affected my credit, even when I had made my payments on time because of the continued high principle that never went down from {$17000.00}.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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: Student loan

I returned to college in XXXX. I attended XXXX XXXX XXXX part time on an XXXX while also working full time. I was married and had XXXX daughters. In XXXX, I had completed all the XXXX college had to offer and transferred to the University XXXX XXXX. I received XXXX to attend the university that covered my tuition. Student loans covered XXXX school tuition, books and living expenses. 

I graduated, XXXX, with a XXXX in XXXX XXXX. I was offered a job at the XXXX where I had done my XXXX that would begin in late XXXX. Then, on XXXX XXXX, XXXX Hurricane XXXX struck, with the eye passing directly over my home in XXXX. In a weekend, our lives changed drastically. I moved XXXX to live with my mother and got a job with XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. During the first three years of working, my student loan payments became erratic in the XXXX months because I was not always able to find temporary employment. During this time, I used up all my deferment and forbearance periods I was entitled to. By XXXX, I was fully employed throughout the entire year and was paying all loans regularly. In XXXX all of my loans were consolidated and the principal amount was approximately {$28000.00}. 
In the last 10 years I have tried to apply for several loan forgiveness programs but have never been eligible because of the dates of my loans. XXXX programs forgive loan balances after five years XXXX. I worked in XXXX my entire career. During my 22 years working XXXX and indirectly affected thousands more through my work XXXX Another loan forgiveness program is for public service employees. It forgives loan balances after paying on time for XXXX consecutive months. I have paid on time for XXXX consecutive months. When I recently inquired about loan forgiveness I was told I am not eligible for forgiveness because of the dates of my loans. I have already paid {$50000.00} for the {$20000.00} I borrowed. I do not understand why there can not be the same forgiveness for my loans as there is for those who do meet the date requirements. Aside from the dates, I meet all other eligibility requirements. 
The interest rate on my loans is 8 %. It is continuous compound so interest accumulates every day on the unpaid balance. 
I feel like I have been a responsible borrower, paying regularly every month. With the current situation I will pay these loans off in XXXX and will have spent approximately {$85000.00} to pay the loans back. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion shows a XXXX account as in collections and when i called XXXX they said they cant do anything because the account referenced is paid in full and is not in collection
Product: Mortgage

Rushmore loan management - my new loan servicer-is not following their own written policy with release of insurance proceeds. Rushmore has been in receipt of completed loss draft documents since XX/XX/2020. My prior servicer was set to disburse remaining insurance funds ( paid out of pocket ) the day my loan was transferred to Rushmore. Rushmore has been giving me the complete run around as to why they have not released my funds. I call every day to get status update and everyday is a new person and different story. Our supposed file manager XXXX has never once returned any messages. Rushmore has failed to honor my prior servicing agreements and disburse money being held. I had my HUD counlseor call last week to arrange a phone meeting to request information pertaining to their arbitrary and time stalling tactics. They stated on XX/XX/XXXX that my file had to be sent to the " special investor '' so they could. review my claim. They stated on XX/XX/XXXX that this special investor had up to 30 days to review documents. Nowhere is my original loan documents does it state anything about a special investor or special amounts of time, never mind my prior servicer marked as completed. I gave authorization for my HUD counselor speak to Rushmore regarding the stalling of disbursements and unfair tactics they are using and to request a meeting. It was scheduled for today XX/XX/XXXX at XXXX. On Friday XX/XX/XXXX my HUD Rep called to confirm todays meeting about disbursement and lo and behold they had no notes of meeting that was set up by HUD. On XX/XX/XXXX, my file claim status was updated and noted APROVED and FINAL DISBURSMENT however I was told today that the status was merely an approval that in fact my claim is correct and payment is due to me but that I should call back next week to see if check was mailed out.They are now stating it takes 10 days for disbursement. First it was 5 then 7-14 then 30 days now back to an additional 5. They are going round and round lying. On XX/XX/XXXX I sent in a prepaid XXXX XXXX envelope as I was told back then they would disburse my check upon receiving documentation. Rushmore is not following the set protocols outlined in the loss draft claim packet or their website. They continue causing me to endure extreme financial and emotional distress by these intentional delays. I am unable to pay my mortgage until they disburse my funds but yet they are sending me loss mitigation packages and applying late fees. Rushmore has caused my daughter to lose her spot at her college in fall due to this intentional delays and not releasing my funds. They are directly responsible for my daughter not being able to attend school in the fall. Rushmore is directly responsible for my mortgage being late. Rushmore is directly  responsible for ALL OF MY LATE BILLS, They have also lied to a HUD counselor multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The following information was provided to me by XXXX for the XXXX XXXX account I once had. The account has been PAID IN FULL and CLOSED. The account on my XXXX credit report reflects the following : -Balance : {$360.00} -Status : Needs attention. 

2. My XXXX Credit report reflect the XXXX XXXX account was closed XX/XX/2020. This information on my XX/XX/XXXX Credit Report is absolutely inaccurate and affecting my credit score!! Please fix!!! 

( Info in paragraph below was provided to me by XX/XX/XXXX regarding my Dispute. ) >> We have researched the credit account. Account # XXXX The results are : This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. This creditor has verified to OUR company that the balance is being reported correctly. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *HISTORICAL ACCOUNT INFORMATION. If you have additional questions about this item please contact : XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX Phone : ( XXXX ) XXXX 3. I'm also having an issue with the Lending Club Corp reporting the correct information to the 3 Credit Bureaus. I paid this account IN FULL directly with Lending Club over the phone. The account status is reflected as in-collection/or charged off. I paid this account to a {$0.00} balance, therefore it was not CHARGED OFF!!
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXX  I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections XXXX and XXXX ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX U.S.C. XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX XXXX XXXX ( Privacy of XXXX XXXX XXXX ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX U.S.C. XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified all 3 credit bureau several times of unfamiliar inquiries on my account, violating my rights. They have not deleted, verified or notified me, and the unknown inquiries remain in my account,
Product: Money transfer, virtual currency, or money service

Approximately 4 days ago I set up a cash app account!! I was able to buy {$800.00} XXXX  before they did the identity myself through there system!! Ive spent at least 10 hours going back an forth with representatives an spoke with at least 10 representatives!! That can't seem to help me in the identity myself section but they let me buy {$800.00} in XXXX  before I finished my identity process do you see any problems with this situation!! I feel like I'm being held hostage I want my money back or I want to finish the identity myself process!!! How can a company allow me to buy {$800.00} in XXXX  without first identifying me!! My cash app ID is XXXX XXXXXXXX that is my personal account to identity myself!!
Product: Student loan

I have on multiple occasions submitted paperwork for a XXXX Loan Forgiveness Program to XXXX. Each time they have ignored by submission not responding in email or writing. When I call they give me the run around about why the application isn't processed and ask for more time. It is my understanding they were sued for their handling of these programs and I can not see where this has improved at all. As of today I am still waiting an answer on my third attempt to participate in this program.
Product: Debt collection

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I have no idea what happened besides being these collection companies and not just one or for the same amounts serveral are being reported as late and its referenced on my credit report. I have called a few asking for all the details information never received documentation. I have tried to dispute these collections inquiries on my credit reports with XXXX and now as of today XXXX then was able to file with you guys. These collections are not valid. Please help me get this resolved. Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1200.00} Amount {$1200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency AMERIFINANCIAL SOLUTIONS Original Creditor Name XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Assigned XX/XX/XXXX Original Amount Owed {$580.00} Amount {$580.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact AMERIFINANCIAL SOLUTIONS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency AMERIFINANCIAL SOLUTIONS Original Creditor Name XXXX XXXX XXXX XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1400.00} Amount {$1300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact AMERIFINANCIAL SOLUTIONS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution 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 financial loss, and I seek appropriate redress + for these violations.
Product: Credit card or prepaid card

Made a purchase on XX/XX/2020 in the amount of {$840.00} for goods. As of XX/XX/2020 these goods were never shipped to me and the merchant had not responded to a request for update. On XX/XX/2020 a complaint was made through the creditor. Upon receiving the inquiry from the creditor, the merchant, updated my order status as " Cancel '' ( previously showed " Processing '' ), issued a USPS tracking number as proof of delivery, stated to the creditor that my mailing address was associated with the USPS tracking number confirming delivery on XX/XX/2020. 

USPS tracking information does not reveal the recipient 's name, shipping address and will only provide the zip code and delivery progress by location. USPS tracking does show the package associated with that number was delivered. However it clearly shows the zip code differs from my address and the address the merchant says they mailed to. The creditor wants me to provide proof other than the information from the USPS that the package was not delivered to me. A trip to my local USPS did reveal the package associated with the tracking # provided was addressed to someone else and not my address. However, due to privacy policies, the USPS can not and will not provide any details about the addressee of a package or their address it was delivered to to anyone other than the addressee. 

The creditor 's policy along with the USPS policy creates a perfect hiding zone in plain sight for dishonest and deceptive merchants. The creditor will not enforce a Buyer Protect policy stating the merchant did provide proof of delivery. They will not accept the fact the the zip code being different ( which is information they can verify ) is sufficient evidence to show the package was delivered somewhere other than to me. The US Postal Service disagrees and even escalation to a manager,  they will not provide me the details the creditor is asking for. USPS feels the tracking information is sufficient to directly shows proof of my claim.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to file a complaint against Experian concerning the removal of a fraud alert from my credit report. Despite following the appropriate procedures, I have been unable to have this alert removed. Below are the details of my situation : Background : Date Fraud Alert Placed : XX/XX/year> Statement on Report : " ID FRAUD VICTIM ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX AMEX XX/XX/2023 To Whom It May Concern, This letter is to inform you that I am disputing your company 's references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations I am disputing the following information directly with you, the furnisher of the information, and I am requesting that you conduct an investigation as outlined in the FCRA section 623 : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$250.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Mohela was transferred my loan from XXXX months ago and refuses to put me into legal administrative forbearance and will not process my request for a SAVE as XXXX failed to process it as well so they can illegally bill me money I do not owe nor can afford. I had a reduction in pay to 66 % due to stress leave as a teacher and provided documentation. I also provided it to Mohela. Instead of processing my application they RAISED THE PAYMENT TO OVER {$4000.00}! Not only is this more money than I ever make in a month, it is illegal as I asked to lower my payment as I am on reduced pay. They continue to bill me despite Biden Administration telling them to put me into administrative forbearance and despite XXXX never processing my SAVE application from XX/XX/year> so now they are messing with my credit and illegally trying ot formulate a payment schedule so I pay all this money in ten years. Also, I am in PSLF program and have 4 years left where I have forgiveness so I will never be able to pay back hundreds of thousands of dollars quickly anyway. I am supposed to be in a 25 year plan under SAVE and in administrative forbearance. I have received no help form XXXX nor from Mohela and it is greatly impacting my life. This is an urgent situation and I am formally asking for help from CFPB to escalate this as I am a person with XXXX, a federally protected XXXX and this is all illegal.