23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted my documents for the Income based repayment plan, working with Navient, In early XX/XX/XXXX. I had originally enrolled in the plan in XX/XX/XXXX. I received notification on XX/XX/XXXX that the documents had been received, were in process, and would take 17-20 business days to complete. On XX/XX/XXXX I received confirmation that I was " approved '' for the payment plan, which I had already been enrolled in and was just resubmitting the necessary documentation to STAY enrolled, and that my payment would be {$740.00} per month beginning XX/XX/XXXX. One week later on XX/XX/XXXX, I received another message titled " CHANGE IN LOAN TERMS '' and stating that I had not submitted my paperwork, that if I don't submit by XX/XX/XXXX I will go to the default payment plan which my payments would total approximately {$1400.00} each month, and that my payments would begin on XX/XX/XXXX. It did not specify any thing about specific changes to loan terms, however, just stated that I didn't submit my paperwork. I spoke with an employee at Navient who was able to verify for me that I did indeed submit my paperwork and that they were still " processing '' what the total amount would be. I explained to him that I was sent a document on XX/XX/XXXX stating what the total amount would be and that I would not accept any other amount as they had already verified this. He then said he located the document they sent on XX/XX/XXXX, and proceeded to explain that my payment was actually {$730.00}, and resent an document confirming this change in the amount or how it was that I had gotten that document sent to me. He also could not explain why my payments were moved to XXXX to begin the increase in repayment ( I had previously had a payment set to XXXX $ due to not making money in he first half of the year ). He explained that these were automated messages and I could ignore them an assured me come XXXX the payment due would be {$740.00}. I again received a message on XX/XX/XXXX stating that if I didn't submit my paperwork I would be placed on the default payment plan, but in good faith believed this to be " automated. " On XX/XX/XXXX, when my loan payment is due XX/XX/XXXX I received a statement totaling XXXX and was not able to get a hold of anyone due to Navient not being avaible to consumers through any other media than phone and only being open XXXX. They ultimately told me that I should pay the {$740.00} because their system approved it, but that they would need to make a " request '' to get everything changed and that it would happen by XX/XX/XXXX. They continued to reassure me, with the employee stating he would personally follow the account and update me if something were to happen. I am concerned that if I pay the {$740.00} with the actual payments showing I owe XXXX, that I will incur more interest on this payment, and this is not right. I am now concerned they haven't processed my payments and counted my payments that I was making towards my overall debt since my loan payment was set to XXXX $ based on my income, but I was making some payments when I could in order to knock down the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am replying to the request for Santander Consumer USA to remove credit inquiries from my credit report.
Product: Vehicle loan or lease

XXXX XXXX XXXX XX/XX/2023 Buffalo Auto Acceptance XXXX XXXX XXXX XXXX XXXX, XXXX, New York, XXXX, United States Subject : Notice of Consumer Rights and Creditor Responsibilities Regarding Rescission and Security Interests To : Buffalo Auto Acceptance/whom may concern I am writing to bring to your attention the rights afforded to consumers and the corresponding responsibilities of creditors regarding rescission and security interests, as outlined by the Code of Federal Regulations ( CFR ) 1026.23 ( d ) ( 1 ) and 1026.23 ( d ) ( 2 ). It is important that both parties are aware of these legal obligations to ensure a fair and transparent resolution. 

According to CFR 1026.23 ( d ) ( 1 ), when a consumer exercises their right of rescission, any security interest associated with the transaction becomes void. This means that your claim or interest in my property, which was established through our credit transaction, is automatically negated. The status of the security interest, whether it was recorded or perfected, is irrelevant to the voiding of the security interest. 

Furthermore, CFR 1026.23 ( d ) ( 2 ) mandates that as the creditor, you are responsible for taking all necessary actions to reflect the termination of the security interest. Even though the security interest is void, it is imperative that you update any relevant documentation or records to accurately indicate the termination of the security interest. This step is crucial to avoid any confusion or potential disputes in the future regarding the existence of the security interest. 

Additionally, I would like to draw your attention to CFR 1026.23 ( d ) ( 2 ) pertaining to the refund of amounts not refundable to the consumer and the reflection of the termination of security interests held by subcontractors or suppliers. It is essential that you act promptly to terminate the security interests held by those subcontractors or suppliers as well. This ensures that I, as the consumer, am no longer encumbered by any security interests related to the credit transaction. 

I kindly request that you comply with the aforementioned regulations and take immediate action to fulfill your responsibilities as outlined by the Consumer Financial Protection Bureau ( CFPB ). This will not only safeguard my rights as a consumer but also contribute to maintaining a fair and transparent credit relationship between us. 

I expect your prompt attention to this matter and a written confirmation detailing the actions taken to comply with the requirements of CFR 1026.23 ( d ) ( 1 ) and 1026.23 ( d ) ( 2 ). 

Thank you for your cooperation in this matter. I look forward to a prompt resolution. 

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

I am having a hard time believing that an investigation was done because there is still an account that was disputed in XXXX, and XXXX still reporting on my account. I have not received a notification stating that a dispute was opened which is odd. I am asking XXXX, EQUIFAX, AND XXXX to conduct a thorough investigation and update the following account to paid as agreed, never late per the CARES ACT. The account is XXXX XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Coinbase account was not accessible. XXXX XXXX. I was told over the phone by Coinbase call center person in XXXX to reopen a new account and my funds will be deposited into my new account within XXXX. On XXXX XXXX I received {$0.00}. I had to lock my new account several times to speak with a live person. I then filed a complaint and was told they respond within a few days. I received an email on XXXX XXXX that my account was hacked and they will not be able to germ my funds back. If my account was hacked why did they not tell me this on XXXX XXXX that I dont have any funds or I was withdrawing funds from my account. I did not give anyone my personal information. I have all my bank statements deposit to coinbase and also the copy of the deposit that came fro. Coinbase for {$0.00} amount dated XX/XX/2021. They want me to file a police report and give me the IP address thats in XXXX CA. I never been to XXXX CA or was anywhere to XXXX CA on XXXX XXXX. My phone was working fine on XX/XX/XXXX so I dont understand how my phone was hacked and how they have my ID and took a selfie of my face to reset the password with XXXX factor authentication does not make since. I have lost a lot of money. I also contacted XXXX and they told me file with CFPB because I dont think I am only going through this situation I believe we more people. I checked on XXXX and there are more people having similar situations,
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX is being inaccurately reported and have failed to provide validation of the debt with a signed copy of the contract. There are several inaccuracies that have been reported under my identity and I have sent in multiple complaints to the bureaus asking for validation of the debt, to verify and ensure the debt reported is mine. Due to the erroneous mistakes, I have requested an immediate investigation. 

Below is a list of all innacurrate information : Account number is not provided Original creditor is not provided Creditors name is being reported as XXXX XXXX XXXX XXXX under Experian Experian reports 63 missed negative months XXXX is unknown payment history Creditors name is being reported as XXXX XXXX XXXX  under XXXX Experian is reporting the contact address and phone number as : Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Phone number : ( XXXX ) XXXX 8. XXXX is reporting the contact address and phone number as : Address : XXXX XXXX XXXX XXXX, CA XXXX Phone number : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchase a XXXX XXXX from XXXX back in XXXX! I had the car for over 12 months, i decided to refinance the vehicle with XXXX on XX/XX/XXXX so i can get a 4 door, at the time i had a 2 door .... 
I sat down with a XXXX rep to refinance the vehicle .... I SPECIFICALLY TOLD THE XXXX REP, I ONLY WANT TO USE XXXX XXXX TO REFINANCE THE VEHICLE, because at the time i had XXXX XXXX ... 
He stated ok, so we proceeded to finish the paper work.. I get home to find out that i have 6 inquiries on my transunion report, so i returned back to XXXX to fix the problem. 
They apologize to me & wrote a letter stating that it was their fault ... 
I then mail the letter to transunion on behalf of XXXX, transunion said its nothing they can do.. They inform me i would have to write a letter to the companies that had the hard inquiries listed on my credit report.. 
So emailed the certified apology letter that XXXX gave me, i received nothing ... I need help getting unauthorize inquiries of my report
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was sent an email from " XXXX. '' The email stated that someone had recently used my account to send an unauthorized amount to another company. I had a similar instance happen recently through XXXX and corrected the error. So, I checked the number and email provided online, and it appeared to be credible based on the sites provided by XXXX XXXX. I called the number, and they followed the same exact script as XXXX would for the situation and explained that the process would be a bit different this time due to the purchase, XXXX. I was assured this would be solved by transferring money from my personal accounts to a secure account. I followed the instructions by the person on the other line who instructed me to give access to the account to facilitate a transfer. I was then told the individual the installments in " two '' to be more " secure. '' The amounts of {$2000.00} and {$310.00} through XXXX  to a number that after was listed as " XXXX XXXX '' after the transactions went through. After a long pause, I realized something was off when I asked for the amount to be transferred back. I demanded that my money be transferred back, but the gentleman on the other line stopped talking. I immediately called XXXX after this exchange and asked if they could pause the transaction. I was told there was nothing they could do because it was through a third-party vendor, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refusing to remove fraudulent inquiries from several creditors although creditors have submitted them as fraud. Fraudulent inquiries areas follow : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2018
Product: Debt collection

Since XXXX XXXX a debt concerning the financing of a XXXX product has been charged to me and TD Retail Card Services has been attempting to collect from me ever since. I thought this was a scam at first but then I began to notice actual attempts to collect via mail. I have not attempted to finance anything from XXXX in the past few months, or anything for that matter. I've never even heard of TD Retail before now. I submitted a dispute with this organization and my credit agency but this is still growing. I feel angry, robbed and violated.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX, my personal bank, informed me that my account number with Comenity Bank ( Express ) had changed. I reached out to Express for details surrounding the change that same day and have been getting the runaround ever since. I have spoken to supervisors at Comenity Bank 4 times and each of those four times, been given different information. The first time I was told that the account had switched to a 16 digit format, and a new card was ordered. Comenity was unwilling to explain how XXXX notified me of the change before they did at this point. At this point I opened a case with the Better Business Bureau ( XX/XX/XXXX ), which went ignored by Comenity Bank. When the new card came, it came with a 9 digit account number. I called Comenity back and was told, that the account number should not have changed to a 16-digit number. Comenity was still unwilling to explain how PNC notified me of an account number change, specifically since my account number should never have changed. Then, on XX/XX/XXXX I received yet another new card, with yet another 9 digit account number. This time when I called Comenity to find out what was happening, I was told that the account should in fact be 16 digits long, and that they had no idea how or why I kept getting 9-digit cards. The supervisor at this point told me that I was notified of the change on the statements that I had been receiving. However, Comenity did not cut any statements for me since XXXX, since I keep a XXXX balance and have not used the account since then. Finally, I received a call from Comenity, also on XX/XX/XXXX, from what I believe to be the Complaint Management Teams, because I have made so many complaints to Express about the issue since the beginning. The final person that I spoke to, told me that a 9-digit account number was in fact correct and that she would be working to get to the bottom of all the differing information I have received to this point. This is not acceptable, how can consumers trust in Comenity if they can not even answer simple questions or keep things straight. How was PNC notified of the change before I was? Why was I given different answers from each person I spoke to? What should my account number be? Is there a way to close out the account- which is my oldest credit line- without it negatively impacting my credit score?
Product: Mortgage

The bank Dovenmuhle is withholding my escrow amount of {$4000.00} for the past 7 months. It is very difficult during this unprecedented times and the bank is not responsive in returning the money. I refinanced my mortgage with this bank on XX/XX/XXXX. Therefore, under law I am entitled to my escrow amount. Below are the times I have contacted the bank XXXX - First inquiry was made to request status of the check. I was told the check will be coming. 

XX/XX/XXXX, XXXX Second inquiry was made to request for the check, I again was told it needed to go through the system so I should get it in 30 days. 

XX/XX/XXXX - Third inquiry was made to request for the check, I was told it is in the mail XX/XX/XXXX XXXX Fourth inquiry was made to request for the escrow check, I was told by the supervisor XXXX XXXX XXXX , the check is coming. 

Today is XX/XX/XXXX. I have been waiting over 7 months. Coronavirus is a difficult period of time. For the bank to withhold money to ordinary people, is immoral and unethical.
Product: Credit reporting, credit repair services, 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 XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Debt collection

Law offices XXXX Improper use of Credit report. 
Reporting Company used report improperly. 
Obtained or Used for purposes not allowed by the law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of a closed XXXX XXXX XXXX XXXX account ( Account # XXXX ) on my credit report dated XX/XX/year>. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate information. Additionally, 15 U.S.C. 1681 ( a ) requires that consumer reporting agencies maintain maximum possible accuracy in credit reporting. This account is closed, inaccurate and unverifiable.

Furthermore, 15 U.S.C. 6802 protects against unauthorized sharing of personal financial information. XXXX XXXX XXXX XXXX has failed to provide any proof that this account is legitimate or authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX.has continue to keep inaccurate information on credit report. Damaging my character. I will move forward to report XXXX, XXXX XXXX ARS to ATTORNEY GENERAL 'S OFFICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem : I negotiated with XXXX to have my debt cancelled and discharged, and we reached an agreement that they would cancel the debt and issue a XXXX, and I would claim this as income on my tax returns. XXXX verified they canceled the account, but is still reporting this account as late each and every month since XX/XX/2012 even though the debt was cancelled and discharged, I owe them nothing, they won't accept any money, but yet they continue to report on my credit reports that I am 90+ days late EVERY month. This needs to be fixed. I have attached the proof.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Southwest Credit called me about A debt that was owed to XXXX I disputed the validity of this debt because i paid this bill to XXXX internet in 2018. I never received anything after disputing this debt over the phone showing that this bill was owed. The next thing that I knew it showed up on my credit report and it was reported on my credit report as a new debt. I do not owe XXXX  they were paid. I have now established new service with this company after thisk bill was paid.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed numerous inquiries that I did not authorize or have any knowledge of please remove these fraudulent inquiries. 

XXXX  XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023
Product: Vehicle loan or lease

In XX/XX/XXXX I called Nissan Motor Finance to get a two month extension that they said I was approved for. In Early XX/XX/XXXX they were calling me and telling me I was 3 months behind. I told them I was not because I got the two month extension. They said I was approved for it but it wasnt applied. So I told them to apply it because I was already approved for it. They said they couldnt because I was showing three months behind. I told them that if they would have done it when it was approved I wouldnt be three months behind. I told them that I was going through a lawyer to file bankruptcy and now they are trying to repo the vehicle.
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX XXXX and I am a Victim of Identity Theft. I have a XXXX Hard Inquiry on my Credit File that I did not apply for, approve, nor did I authorize this inquiry to be applied for in my name. Please delete thisi nquiry off of my Credit File. I have XXXX police reports filed and sent to each Credit Bureau showing my Identity theft.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Customer 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 under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an account on my credit report with XXXX for a debt that has been closed, now for a second time a third party collection agency called XXXX XXXX  has reported this same balance on my credit report. I have reached out to them about the reporting and all they have on file may be a social security number but they do not have a consumer agreement with my signature, nor my address, or telephone numbering there system to validate this collection account. I have filed a dispute, XXXX  is taking whatever they have on file as valid and this collection company has not even sent me a verification letter prior to reporting. A prior collection account claiming they represent XXXX was deleted due to lack of valid debt information.
Product: Debt collection

I have never went to this company onemain on XX/XX/XXXX or XX/XX/XXXX or i never gave no one permission to use my name .. I never had an account wit this company so stop charging me an take off my credit please it was someone else ... I should have to pay for something ive never done or asked for