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

I purchased a XXXX XXXX XXXX at XXXX XXXX ( XXXX ) as well as got in a XXXX XXXX XXXX XXXX ( XXXX ) extended warranty contract there on XX/XX/XXXX. I was told by the finance manager Will that I could cancel within 30 days of the contract without any penalty fees. The amount of the extended warranty contract was {$1500.00} with payments of {$25.00} per month for 60 months. My XXXX XXXX XXXX XXXX Policy was cancelled on XX/XX/XXXX in which I was informed on XX/XX/XXXX by a XXXX XXXX XXXX representative that the balance they sent over to the dealership ( XXXX XXXX ) was {$1400.00} which was minus the cancellation fee of {$75.00}. Capital One Auto Finance ( XXXX ) who works hand in hand with the dealership informed me that only {$1300.00} was applied to the interest and principle of my car as of XX/XX/XXXX. That {$1300.00} was in the amount of two payments of {$910.00} and {$390.00}. The dealership also did not inform the bank that the payments were for the extended warranty, so the amount accrued interest. I have been contacting the finance manager regularly since XXXX and have been leaving voicemail messages and HAVE NOT received a phone call or a response. I have been getting the run around and am very upset. This company appears to be a total ripoff.
Product: Debt collection

I never had medical services provided by XXXX XXXX XXXX on XX/XX/2018. I had health insurance through XXXX XXXX in 2018. A medical claim was never filed with my health insurance for services with XXXX XXXX XXXX. I am receiving collection notices from : XXXX XXXX XXXX XXXX   for {$110.00} that I do not owe.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Never Signed, Provided Documentation or Have any first hand Knowledge About ANY account Authorization That took place with ANY ACCOUNTS LISTED IN THIS COMPLAINT EVER! WITH THE CREDITORS BELOW or! Any Documents Those companies RECEIVED WAS FRAUD and I stated to the creditors also. I'm a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX, with 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. This is my only address. 
My only name is XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> I do not wish to have my employer on my report I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. this lack of accountability and transparency is unacceptable and raises serious concern about consumer safety
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My information was used maliciously which affected my credit card usage. 

I have made an attempt to dispute XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX with the reporting agencies to resolve this issue but i have not received any help. 

The agency and furnisher are in direct violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Product: Debt collection

Good Evening. I am reaching out because I received a letter from Enhanced Recovery Company LLC. They are contacting me about a debt that does not belong to me at all. This account was previously with XXXX XXXX XXXX around XX/XX/2020. I disputed it and provided them with a police report. They removed it. Now it appears that it was sold to ERC LLC. I don't appreciate being contacted about a dept that doesn't belong to me and that is fraudulent. I have disputed the validity of this debt and now I am submitting a complaint in regards to this issue. I do not owe anyone XXXX with a reference number of XXXX. This debt does not belong to me.
Product: Student loan

Despite numerous phone

calls SoFi Technologies , Inc. " SoFi '' instructing them to apply extra payments to the principal balance ONLY, while paying my monthly payment, SoFi refuses to apply the extra loan payments to the principal balance. The payments are applied in different manners, some towards principal, some towards interest. One extra paym
ent was applied towards principal ; then another just towards interest. No rhyme or reason on how the extra payments are applied. Who in their right mind would pre-pay interest?

We called multiple times and are told someone will call us back and they never do.

Predatory and deceptive leading practices.
Product: Credit card

In XX/XX/XXXX I had requested the application of the Servicemember 's Civil Relief Act to my credit card. Per Louisiana Statute 29:312 : XXXX XXXX XXXX? d=321064 312. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 

I had attached a copy of my orders assigning me to XXXX XXXX, Louisiana as well as my enlistment contract to show evidence of my current residence as an XXXX XXXX member within the state. However, Avant is unwilling to comply with state laws.
Product: Vehicle loan or lease

My vehicle was involved in a total loss accident on XX/XX/XXXX. The responsible parties insurance company sent my lien holder Santander a letter of guarantee request with copy of the valuation report. They agreed to stated amount and provided them with the title after payment. I followed up with my GAP insurance provider to initiate a claim to assist with the remaining balance payment. I was later advised that there was severl items missing from the valuation checklist which showed the vehicle price as {$2300.00} less than what it was worth. Further omitting the Gap insurance claim. After going back and forth with the insurance company and Santander for 6 months ( as the lien holder took no action in this matter ; I spoke with an insurance representative who advised on XX/XX/XXXX that she was sending a supplement request to the insurance company due to missed options. I followed up with Santander on XX/XX/XXXX who advised that they hadn't received anything from the insurance company and I was responsible for the amount due. I partnered with the insurance provider who advised that the lien holder accepted their settlement/provided the title and their claim is closed. I reached out to Santander for assistance with correcting this mistake ; to no avail. My credit has since been impacted as the account was charged off ( the very same day that the insurance company sent over the supplement request ). The collections activity should have stopped as soon as they identified that the balance was incorrect. I requested to settle the amount minus the interest/late charge and amount due from the insurance which was declined. My ask is that the company due their due diligence and correct the balance due from the insurance company as well as remove any negative remarks from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a balance and charge off status for an account that was included in bankruptcy on XX/XX/2019 and discharged on XX/XX/2019. I filed a dispute with CPFB to XXXX & Equifax. XXXX resolved their dispute & assured me it was fixed, but when I checked my credit it was only fixed on the other 2 bureaus and remained on equifax. I called XXXX & notified them of the issue on equifax & they stated they would fix it. After still no resolution with XXXX & Equifax still not resolving the original CPFB dispute with them, I filed another dispute directly with equifax on their website. Equifax closed the dispute today stating my file was updated, but when I check my file it is still showing a balance for this account & charge offs after the bankruptcy discharge. I then called equifax and after going through 10 minutes of security verification questions with a representative that I had a hard time understanding, she told told me the verification process was complete and she would look at my account and then disconnected the call! I am so beyond frustrated with this & if it is not promptly fixed I will have no choice but to file suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a persistent issue concerning an account that is inaccurately appearing on my credit report. The account in question is associated with COMENITYCAPITAL/ALPH. I want to emphasize that this account does not belong to me, and despite my repeated attempts to dispute the information, it continues to be reported on my credit profile. 

I have diligently followed the dispute procedures with your agency, providing detailed information to support my claim. However, despite these efforts, the inaccurate account has not been rectified. I am concerned about the impact this misinformation may have on my creditworthiness and financial standing.

I kindly request your immediate attention to this matter. Please conduct a thorough investigation into the reported account and take the necessary steps to correct or remove it from my credit report. I am more than willing to provide any additional documentation or information required to support the resolution of this dispute. 

Thank you for your prompt assistance in rectifying this issue and ensuring the accuracy of my credit report. I look forward to a swift resolution.
Product: Debt collection

I had received a CareCredit/Snychrony Bank amount of {$3800.00} on XX/XX/XXXX to cover dental implants. The amount was to be repaid by XX/XX/XXXX interest free, unless not paid by then in which an interest charge on the full amount would be charged. I had been paying $ 300 monthly regularly, but unfortunately I missed paying my last installment of {$300.00} until XX/XX/XXXX, or 6 days late,. I was immediately charged the total late payment interest of {$48000.00}. This struck me as a very unfair trap for an honest mistake., I offered to pay the XXXX interest charge of {$18.00} plus the XXXX fee of {$30.00} but this was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX for years now. XXXX has sold this account to other companies and I am upset about the account being sold around and each time I have to dispute it with you all. For the last time this account does not belong to me and is not mines
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates : XX/XX/year>, XX/XX/year>, XX/XX/year>. 

I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

My account was terminated and collections are after me for {$830.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan reportings negatively affect me because it looks as if I've defaulted on several accounts, when there was only ONE, and that ONE is paid in full. I've satisfied the debt, I'm experiencing the following : - Loan appears multiple times, although only one loan was secured - Some of the student loans report as " Open '' although the balance is " {$0.00} '' and should be " Closed '' - Many payments are incorrectly reporting as current lates The following companies are involved : - XXXX XXXX XXXX ( Listed 4 times ) - XXXX XXXX XXXX XXXX ( Listed 2 times ) - XXXX  ( Listed one time ) I'd like to buy a home and secure business lines of credit to grow my business, and I can not as a result of these reportings.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within 30 days. of receipt of this letter.. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.
Product: Credit reporting or other personal consumer reports

AMEX HAS 3 INQUIRES ON MY CREDIT PROFILE. THE FIRST INQUIRY DATE IS XX/XX/XXXX THE SECOND INQUIRY DATE IS XX/XX/XXXX THE THIRD INQUIRY DATE IS XX/XX/XXXX I WANT THESE INQUIRES DELETED BECAUSE I DID NOT AUTHORIZE AMEX TO TO RUN MY CREDIT. THIS IS FRAUDULENT AND IF IT IS NOT DELETED LEGAL ACTION WILL BE TAKEN.
Product: Checking or savings account

My name is XXXX XXXX, I'm Chase bank business XXXX XXXX XXXX XXXX ) account holder. I recently went to chase Located at ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) and get a cash withdraw of {$45000.00} dollars on XX/XX/2022 at XXXX. Two hours later after I left the bank, someone from that chase bank called me says they give me {$4000.00} dollar more in that transaction. I told them I didn't know if there is {$4000.00} dollars more in that bag because I didn't count those money while I was at the counter with that bank teller, I just grab the bag with money inside and left and hand it direct to my construction contractor. I then called up my Construction contractor and he say that there is not extra money, it was {$45000.00} even. I told the bank teller about it over the phone. and they say they going to call me the next day which suppose on XX/XX/XXXX XXXX but which no body does call me. After two days later on XXXX XXXX, they put a MEMO debit on my account and debit {$4100.00} dollars from my bank account without my permission. I then call the chase phone number located back of my chase debit card ( XXXX ) and spoken with one of the Rep about it. They ask me to call back the next day which is XX/XX/2022 regarding this issues, because they don't have any information about that MEMO Debit currently .After I contact with the bank they are not willing to adjust the issues. In my personal point of view this is totally not legal because they can't just take money out of my account without my permission and contact with me or doing investigation on it. What if they told me they give me {$100000.00} more and just subtract it from my account without letting me know.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXXXXXX 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 XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the XXXX permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and I noticed a few errors. I was reading according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report, this was definitely not done. I demand the following accounts to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian, I am submitting this CFPB Complaint for the 1st time to follow up the addressing of the specific Issue of Obtaining, My weekly Free Annual Credit report. For when I log in to annualcreditreport.com, I am not able to access my Experian credit report. This issue has been going on for the past two months. I have contacted your company Via phone and even tried escuating matters up to your special Services department. I have been successful in receiving feeback from this issue on your end. I feel like my consumer rights are being violated on the fact that XXXX cant even obtain my free Credit Report Nor log in to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up, I have already try to fix an Issue with EXPERIAN regarding Identity theft thru this website, as I previously said, on XX/XX/XXXX, after pulling my credit report, I notice multiple unknown accounts on it that did not belong to me, doing my own research and asking for some help from a friend of mine, I started a dispute process. 

On/or about XX/XX/XXXX, I started disputing the incorrect information on my credit report, as of now, XX/XX/XXXX, I had submitted my documents to the Credit Bureaus 3 times already and there is still one item on EXPERIAN that they refuse to remove. 

On the section " Company 's Response '' they did not answer my question or they are not saying anything regarding the specific dispute. For your reference, the following account, reporting on EXPERIAN, does not belong to me ( circled on my attachment ) : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, with an alleged acc # : XXXX, an alleged balance of {$390.00}, allegedly opened on XX/XX/XXXX.
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. 1. XXXX XXXX, Account # XXXX 2. XXXX XXXX XXXX, Account # XXXX 3. XXXX XXXX XXXX, Account # XXXX 4. XXXX XXXX XXXX XXXX Account # XXXX 5. XXXX XXXX XXXX, Account # XXXX 6. XXXX XXXX, Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX  account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. ASLO, 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. it is my right!