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

On XXXX I agreed on a purchase price with the seller for a XXXX XXXX XXXX on XXXX. I was then contacted by their financing partner AUTOPAY on XXXX who claim to provide stress free financing where they take care of all paperwork and essentially act as a middle-man dealer between two private parties. Between XXXX and XX/XX/XXXX I provided all requested documentation and was approved for a loan. Final loan documents were then supplied by AUTOPAY, with numerous errors ( counterparty name, interest rates, and other crucial pieces of information ), after notifying the firm of the mistakes the loan documents were resent and finalized by XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX AUTOPAY did not return any requests for information or status of the loan. On XX/XX/XXXX the lender requested a few final pieces of information, all of which was provided within hours. I was then instructed to wire AUTOPAY the down payment, which was sent and confirmed received on XX/XX/XXXX. After confirming the receipt of the wire, AUTOPAY stated it would be a few days maybe when I inquired as to when I could pick up the car and register it. Following this promise there was minimal communication until XX/XX/XXXX when I was told it would be completed by XX/XX/XXXX no problem. On XX/XX/XXXX there was no communication and when I called to inquire they acted as if they did not know what the hold up was. Since XX/XX/XXXX they have made no progress and continue to push off giving explanations as to what is taking so long. 

Not only have I had to correct loan documents, and title process ( they were grossly unaware of how titles work in NY state ), but I have also spent countless hours on the phone waiting on hold just to be disconnected or told they will call me back which has rarely happened. 

To date I have not only paid them a {$490.00} financing and paperwork fee but have been out my $ XXXX down payment for a month, paid a full months insurance on a car ( {$100.00} ) I do not have and have had to pay {$22.00} per day to get to and from work via public transportation. 

They have not only mishandled numerous pieces of information, been extremely untimely and provided false promises but have also cost me a $ XXXX+ in incidental costs due to their mistakes. 

I would highly recommend staying away from AUTOPAY and their affiliates.
Product: Checking or savings account

Over the weekend i receive 2 notices from 2 different banks that one account was open and the account is opt to receive over draft protection from Trustmark bank check account ending in XXXX. I called today and the security department closed the account and did advise there was no transaction due to the quick response. I have never done business or heard of this bank. Phone number i contacted was XXXX. The bank is sending me an affidavit so i can file a complaint with the FTC. Thankfully i was able to catch the fraud before it ecalated. 

I received another notification from online bank called XXXX XXXX bank located XXXX XXXX XXXX, XXXX, Fl. XXXX. Phone # XXXX. Someone attempted to open an account in my name from another bank and was not successful. I also reported this as well
Product: Checking or savings account

On XX/XX/XXXX I call USAA Federal Savings Bank which I have been a member for 6 yrs. to do a stop payment on my account for XXXX XXXX for {$370.00}. I was with them for three months and paid them monthly by check, my last payment was {$110.00} on XX/XX/XXXX for the month of XX/XX/XXXX by check, I call XXXX XXXX and told them I was cancelled my service and they told me I still owe them {$370.00} for service not rendered and they said they was going to go in my bank account and get the {$370.00}, that when I call USAA and told them my situation, and USAA told me to do a stop payment on XXXX XXXX for the {$370.00} on XX/XX/XXXX and not to worried, so on XX/XX/XXXX USAA let XXXX XXXX go in to account and take the {$370.00} out, so I call USAA about this dispute and they return my money on XX/XX/XXXX. Now on XX/XX/XXXX USAA let them do again take my {$370.00} so call USAA and they said I lost my dispute. My thing is this if I owe XXXX money that on me and XXXX my bank USAA did not have the right to let XXXX go in my account after I did a stop payment with them in a timely fashion, I want my {$370.00} back in my account, my problem is with USAA for letting this happen to me, they can`t tell me who to pay and who not to pay that my right, I did what they USAA told me to do a stop payment. I`m a XXXX Veteran with XXXX and everybody try to may a fool out of us and our money everyday. I pay XXXX what I owe them, can you CFPB help me in my situation. Thank you for let me tell my side of this situation. Have a great day.
Product: Credit reporting or other personal consumer reports

I pulled my consumer report and noticed several non mailable addresses. To ensure I receive all mail from the United Postal Services, heres my corrected address XXXX XXXX XXXX XXXX, TX XXXX. My name should also read XXXX XXXX, ( XXXX ) XXXX XXXX, and employer : XXXX XXXX XXXX XXXX XXXX Remove any and all other information to relinquish all identity theft claims, including the information tied to these accounts as the information you are reporting are not mine. I have mailed this information to them XX/XX/XXXX with no avail. 



15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) 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. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Student loan

Navient has repeatedly applied payments to the wrong loan, even when the payment amount and loan number are indicated on the payment slip. The company then charges late fees on the loans for which they did not apply the correct payment amount. Telephone representatives are unable to correct these errors.
Product: Credit reporting or other personal consumer reports

I'm making this complaint against the Experian credit reporting agency. I'm a victim of identity theft. I have a fraudulent account that's reflected on my credit report that's not mine. The alleged account that's reflected on my credit report is XXXX XXXX XXXX XXXX. The alleged debt was sold to another Debt buyer. I started a dispute process with the collecting agency via a dispute letter and I have yet to receive a response to what I requested. I notified Experion of identity theft and filed an Identity theft report with the Federal Trade Commission. Experion temporarily barred the Information and removed the account just to reinstate the information. Experion has been very unprofessional with this matter and will not give me a clear explanation as to why they reinstated this fraudulent information on my credit report that's damaged my credit report. I forward all the necessary documentation to the Experian credit reporting agency via certified mail and with the proper Identity theft report on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

1STPROGRESS/XXXX/ is reporting late payments on my consumer credit report. I am demanding that the late payments are removed and reported as exceptional payment history. 


I am a consumer as identified in FDCPA 15 USC 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Pursuant to 15 USC 1681e - factual information must be excluded ; this is a violation. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 15 US Code 1681a ( 2 ) states that any consumer credit reporting may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the erroneous credit data in my file that resulted from a mistaken credit reporting but I still have ITEMS left that needed to be removed. This is my new letter that I am a victim of erroneous credit report details and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from an alleged identity theft : XXXX : XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX, XXXX -- -- -- -- -- -XXXX  : XXXX XXXX Balance XXXX {$1400.00} XXXX XXXX  XXXX XXXX Balance XXXX {$25000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX  XXXX XXXX Balance XXXX {$31000.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy, and the reported payment history on the accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
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. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am worried that Zelle is improperly handling disputes after hearing of the CFPB lawsuit which has highlighted significant issues with the platform. My rights as a consumer were not protected and I am fearful of this happening again in the future. This is a serious concern of customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has computer problems regarding its online dispute system ... ... for the last 24 hours I have been unable to upload supporting documents for disputes submitted yesterday. 
they are important documents so I have scanned them here. 
1.an ftc id theft affidavit 2.a letter from XXXX XXXX saying they have told experian to remove a XXXX  account which still appears on the bureau report today.
Product: Credit reporting, credit repair services, or other personal consumer reports

It a fraud I dont k ow this people never took anything from them or borrow anything from them I do t understand how this spear to my credit report
Product: Debt collection

This company has added this as a collection to my credit report. Under no circumstances or time did I ever have an agreement with the original creditor for services or goods. This collection has never appeared on my report until now. I have never even heard of the original creditor before this point. They are in violation of the Fair Credit Reporting Act.
Product: Mortgage

Back in XXXX, we purchased our home. bought it for XXXX was scheduled to be paid of in XXXX XXXX but to our surprise it is not. Bank of America is saying we still owe XXXX. Back in XXXX we ran into a problem with Nations Bank, we were 2 payments of XXXX, they sent our check back and said we were going to forclose on your loan. Tried to reason with them but to no avail. Contacted HUD to save our home. It took 10 months for a appointment for HUD to assign our mortgage. We meet with a gentlemen from HUD, in XXXX at the HUD office. At the beginning of the meeting we handed him a check for about {$12000.00}. Because we were told to still put your payments away, by the person on the phone that was taking our appointment. He said he did not want it, that he was recommending a Forbearance Agreement which means that you will make up the payments during the course of your loan. We were a little confused about it but at this point we were desperate for help. So we put the money into some remolding that needed to be done. To make a long story short, Bank of America offered a loan modification in XXXX to try to save our home. Only to be shot down on their decision, on a short sale of our home. They offered several ways they could help, and they picked a short sale, they said due to the Trustee and Guarantor did not approve a modification, because a affordable payment can not be created without changing the terms of your loan? We were just fine with our payments and told my case manager that. Refusing to budge, not even taking my payments, per my case manager, she said her hands are tied. Given no other option. No answers as to why this is owed. Been since XX/XX/XXXX, trying to get records of my payment history, ect. They are stonewalling me for the answers. Need help, but no help as of yet. the amount owed is about 1/3 of our original loan? Why? Have not refinanced or entered in a Loan modification at all, only up until XXXX of this year to try to save our home. This is very disheartning to realize after thirty years you could loose your home. If you need any documents to help with my complaint, there is a lot. I will fax to you at the time of request.
Product: Checking or savings account

In XX/XX/23 I called the bank because my card declined and I could not login to online banking. The bank stated my account was being closed to fraud but could not tell me what kind of fraud was being done on my account then they stated the money I had In my account would be mailed and they kept giving me a wrong amount and then said it was not going to be mailed to me they couldnt mail it but couldnt give me a reason why.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX partial account number XXXX : Formal Dispute of Inaccurate Reporting Request for Removal, 1099-C Issuance, and Cease-and-Desist Notice Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the above-referenced accounts and to demand immediate corrective action pursuant to federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 1. Dispute of Account Reporting The accounts listed above have been reported as written off as profit/loss ( charge-off ). However, I have identified that these accounts are being repeatedly reported as new charge-offs with an outstanding balance, despite being previously written off. This constitutes inaccurate and misleading reporting in violation of the FCRA, specifically : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of information. 15 U.S.C. 1681s-2 ( b ) : Duty to investigate disputes regarding furnished information. By continuing to report these accounts inaccurately, XXXX XXXX XXXX XXXX is damaging my creditworthiness, resulting in defamation of character and material harm to my financial reputation. 2. Request for 1099-C Issuance As these accounts have been charged off, I am requesting that you provide a copy of the IRS Form 1099-C ( Cancellation of Debt ) for each account. The issuance of this form is required when a debt is canceled or written off and no longer collectible. Failure to provide this required documentation further demonstrates non-compliance with applicable consumer protection laws. 3. Cease-and-Desist Notification Under the FDCPA, 15 U.S.C. 1692c ( c ), this letter serves as a formal cease-and-desist notice regarding all collection efforts related to these accounts. You are instructed to cease all forms of communication with me, including but not limited to phone calls, emails, or letters, regarding these accounts. 4. Demand for Resolution To resolve this matter, I demand the following actions be taken within XXXX houses after receiving : Immediately Delete and remove the XXXX XXXX XXXX XXXX partial account number # XXXX from all credit reporting agencies. Provide a copy of the IRS Form 1099-C for the cancellation of each account, if applicable. Confirm in writing that you have ceased all collection activities and communications related to this account.
Product: Credit card or prepaid card

I requested a Macy 's Credit card on XX/XX/22 at the Macy 's located at XXXX XXXX XXXX XXXX, PA XXXX. The sales woman asked for my information and did not ask to pull my credit but she did it anyways without permission when she told me to enter my social on the electronic pin pad and to enter my salary and then asked me to sign on the pin pad which I used my beneficiary signature even though I was forced to sign electronically instead of being allowed to do business using physical paperwork. I was then told that I was denied for the Credit card and that I would receive something in the mail in a few days about the denial infront everyone present at check out. I was humiliated. On XX/XX/22 I called Macys XXXX XXXX XXXX and spoke to XXXX who informed me that I was denied for not having enough credit history and then put XXXX her supervisor on the phone who also stated I got denied due to not having enough credit. I informed them on the TILA and also Title 15 1611and 12 CFR Part 1002 Regulation B and they said it was the automated system. On XX/XX/22 I called the Macy 's reconsideration line to speak to a live person and get them to review the request. I spoke on the reconsideration line asking that my request be reconsidered since I was denied by the automated system. He said of course and took my information and then told me that no I could not be considered eligible due to me not having enough credit and that the Macys credit card is not for beginners and that I needed to have credit history before applying. I informed of the laws in this consumer transaction and I was told that they do not apply here and are not backed by anything. In this consumer credit transaction my credit was pulled without disclosure, I had no disclosure at all, this faults and misleading denial of my own credit because I wanted to access a portion of my unlimited credit .I was discriminated against by them using a credit report against me and without my permission stating misleading information when I'm credit worthy and I have unlimited credit XXXX am aware that they've taken my Social Security number and electronic signature and in doing so have already been paid and they still denied me and discriminated against me.
Product: Debt collection

CACH is reporting that I have an outstanding balance owed to XXXX Lending for {$11000.00}. I have contacted CACH to contest the debt ; requesting a copy of the original finance contract ( displaying my signature ), a detailed explanation of charges that constitute the {$11000.00} debt they say I owe, and the account history of this account showing any records of payments that XXXX received. So far, CACH has not supplied me with any of the requested documentation. It is my right under the Fair Debt Collection Practices Act to request this information, and unlawful for CACH not to supply it, upon request.
Product: Debt collection

I have been having an ongoing issue with XXXX XXXX. I called to renew my account and that started an chain reaction of mistakes, that led to me finding another service provider. 

XXXX customer service made several mistakes that led to them turning on electricity at the wrong address ( during renewal ) same street number but wrong street. When I called several time to correct this they had really nasty attitudes and basically kept saying nothing could be done. I had tried to switch then but, when I checked my account it gave me an incorrect renewal date, so I switched back. 

When it was time to renew I stayed with XXXX. I signed up for 8.5, it was changed to 8.9, then 10. They said it was an error then they said even though my account said 10, I was being charged the correct amount of 8.9. My bill still did not look as it should for 8.9KPH. 

I questioned if but was basically told there was nothing I could do. I finally switched providers with the help of XXXX. Nothing was done at that time about their behavior. 

My account is closed and paid, but as soon as I made the first payment a few days later they filed a lawsuit trying to sue me. I think this was unfair since they knew I had made a payment to clear the account and this along with all the other things seems as if they have no respect for their customers long term or not. XXXX  Complaint Case # XXXX ( Ref # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report from a monitoring service so that I can start the process of getting a vehicle loan for my trucking business and I have several Federal Government Loans on my report that are n't mines at all. I am filing this initial complaint being from several hours researching I came across your website information about consumer financial protection bureau. There are 6 accounts that show several 120 late payments from these accounts that I do n't have and not aware of and I am demanding that all accounts be deleted & removed permanently from all 3 credit bureaus - XXXX, XXXX XXXX , & Equifax based by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970.