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

Ok so I went to look at a XXXX XXXX XXXX that was located at XXXX XXXX in XXXX XXXX Florida, everything looked okay with the car so we went in to talk numbers, Loan time etc we got to {$7500.00} was the financed priced and my loan was for 2 years/24 months I would be making a {$250.00} a month car payment with {$2200.00} as the down payment, a few days later the check engine light came on my tire pressure sensor light has come on with the tires being at 35psi ( recommended tire pressure ) a couple weeks later another thing broke and was supposed to be under warranty, I called XXXX ( XXXX XXXX manager ) he said everything was covered on the warranty no worrys bring the car in now while my car is in his shop I get a call from him and he says its just maintenance and I would need to pay {$200.00} but he said since hes a good guy hell do it for {$100.00}, now the main thing that I have a problem with is the fact hes saying I owe him {$500.00} on top of that my car loan is now 4 years/48 months and the loan amount is for {$12000.00} dollars, how did I go from a {$7500.00} 2 year loan to a {$12000.00} loan for 4 years? It was never discussed and I would have never signed anything for a {$12000.00} loan for a {$5000.00} car. The loan was from Credit Acceptance I was also never given my financing agreement which details the terms of my loan
Product: Money transfer, virtual currency, or money service

I was scammed by someone pretending to be a person I knew and used Cash App to scam me out of {$300.00} I don't have the date and the only proof is a screenshot of the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one use mu infirmation to apply for credite card
Product: Credit reporting or other personal consumer reports

This is a formal complaint regarding the inaccurate and incomplete information that you are reporting on my Credit Report, which I wish to dispute. 

XXXX  XXXX XXXX XXXX. 
While I acknowledge that errors can occur, it is important to rectify these inaccuracies promptly, as they could potentially lead to higher interest rates for me. Given my current financial obligations, such additional expenses are unwelcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX asking for a credit limit increase on one of my credit cards I've had with them since XX/XX/2012. I very specifically asked to make sure they would not run my credit for this request. I was assured they wouldn't. They still did. Now I have an inquiry on my file. Absolutely unacceptable.
Product: Credit card or prepaid card

Currently, I am locked out from accessing my account. The way this credit product works, everything needs to be accessed from their app. Right now it's asking me to verify my phone number via text message code but it has an old number on file and I'm unable to continue. I can not do anything with the product and do not want to have the account go late, nor do I want payments to process without any knowledge of what's happening to my account. Attached is a screenshot from the app. 

Background info : I changed bank accounts and the app/product requires your active checking account to be linked for any features, including use and payments, to be made available. It took several months before Grain unlocked my account so I could change the bank account and subsequently have my credit file updated to remove late payments ( which I sincerely appreciate ) due to the support issues. After I updated my bank account, I was able to make a payment to bring the account current and Grain began making their automatic withdrawals. Sometime later, the app again locked me out, prompting the phone number verification. I have submitted several help tickets without reply and responded to old support ticket emails directly back to people who have assisted/replied before and did not receive a response. I have called and set on hold for excessively long times before I had to hang up. I work nights so I only have a short time in the morning to make calls once businesses open before I must go to sleep. I have provided Grain with confirmation of my old phone number and confirmation of my new phone number more than once within the multiple communications I've sent to the company. I've moved my cash over to savings to prevent an unknown withdrawal from processing by Grain until I'm able to access my account again.
Product: Debt collection

On XXXX/XXXX/14 I underwent a XXXX procedure ( XXXX ). Prior to the procedure I was assured by XXXX that my insurer, XXXX, would cover all expenses, including XXXX, as long as the XXXX bill was no more than {$400.00}. I was further assured that this had not been an issue in prior procedures. Base on that information, I anticipated that my XXXX bill would be covered. 

Since that time, I have received constant demands for payment of {$2200.00} from XXXX XXXX XXXX XXXX. I had no choice in the selection of this XXXX, who is an out-of-network provider.
Product: Credit card or prepaid card

The complaint is against CHASE credit card services. I have a checking account and also auto loan with them. They offered a balance transfer with 15 months zero interest. I asked for about {$2700.00}, and I was approved immediately. Yesterday XX/XX/2017I received the card in one mailing, and then a letter in a second. The second said " Update : Your credit card application is approved but no balances transferred. '' The reason cited : " PA-The payee address is unknown ''. CHASE does n't know the payment address for a competitor, XXXX? I called and the agent said the reason was a $ 150+ transfer fee. My response was to order him to close the account. This is bait & switch. Today I wrote to a letter XXXX XXXX XXXX, Executive VP Chase Card Services. Her name was on the cover letter with the card. I do n't know if she is really the one to address this problem. I copied XXXX XXXX, who was the CEO of Credit Card Services. I do n't know if he still is there.
Product: Debt collection

Violation of Fair Debt Collection Practices Act. This debt went straight to collection with no communication or attempt to settle.
Product: Debt collection

They contacted my work on my day off, XX/XX/2018 in an attempt to collect an old medical debt from XXXXXXXX XXXX XXXX out of XXXX XXXX SD. They posed as someone that needed to get ahold of me and left a message with my supervisor at the XXXX South Dakota XXXX front desk ( XXXX ). They provided there number ( XXXX ) and a name XXXX and told my supervisor to call as soon as I could. I do not know how they got where I work since I do not post it anywhere online. My employer does not approve of solitication per company policy and do not approve of them calling. I called to tell them and they claimed they didnt even know where I work and that they didnt have a number after harrassing me for my social security number and other personal information. Im very distraught over the way they somehow figured out my employer, called them, and then obviously lied to me when I contacted them about it. I would also want to make sure they do not call my other employer XXXX XXXX in XXXX, SD ( XXXX ). They are Accounts Management Inc out of XXXX XXXX SD.
Product: Debt collection

Portfolio recovery is trying to collect a debt from me from services that never happened. 
The XXXX office was wrong in that they charged me for a partial denture that I refused to purchase and never picked up, why is this dentist charging me for something that was never done? Also, I paid out of pocket for part of my services ( I will attach that receipt ) Portfolio recovery never sent me anything or else I would have questioned charges a long time ago, the only reason I found this out was when I ran my credit score a couple of months ago. Ive attached everything I have. I filed a claim with the XXXX XXXX XXXX, but the collection company does not respond.
Product: Credit card or prepaid card

On XX/XX/18 I ordered a supplement on line the price was {$5.00} which I never got but when I got my bill there were 4 charges ( last four number of credit card XXXX ) XX/XX/18 {$5.00} XX/XX/18 {$4.00} XX/XX/18 {$89.00} XX/XX/18 {$90.00} I called the merchant directly and told her to cancel my order and give me the credit they charged to my credit card she said she will resolve the problem and than I called my credit card company and told the story they close my account and sent me the new credit card with new last four number XXXX ) I got another shock when I see they charge me again on XX/XX/18 {$89.00} and then I have to closed my account for good. 
I authorized my card only for .XXXX The Comenity Capital Bank said they will take 90 days for investigation even I closed my account but still I got charged I paid minimum balance for 3 months but they never resolve the problem they kept charged my late fee and interest for last 7 months instead of getting about {$100.00} credit from Comenity Now I owed them {$380.00} and no body listen at the Comenity
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a letter in the mail from Fedloan Servicing and US Department of a education stating I owe a balance of XXXX according to 15 USC 8 the obligation or other security of the United States includes all bonds, certificates, of indebtedness, national bank currency , federal reserve notes, federal reserve bank notes, coupons United States notes, treasury notes, gold certificates of deposit, bills etc
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 
My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 


Heres the list of the questionable items : XXXX XXXX  XXXX XXXX Charge-off {$1000.00}
Product: Credit card

My account with XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit card or prepaid card

Dear CFPB, This is now my second complaint against Discover Card Services as your organization failed to fix the issue in my first complaint. Since complaining about this, Discover is now lashing out and participating in discriminatory and illegal practices by falsely stating to Credit Reporting agencies that I am passed due when that is far from the truth. I paid on XXXX XXXX and Discover decided to charge my card without permission on XXXX 2 days later once again for USD XXXX. However, reported to Credit Reporting agencies that I was delinquent and past due on XXXX This is extremely infuriating and ILLEGAL. This dropped my credit score from a XXXX to a XXXX. Secondly, to follow-up on my first complaint, it was never resolved. Discover is illegally charging me for services I did not receive in the amount of USD XXXX. This is what this whole dispute is about they are using illegal abusive practices trying to force me into paying for services that I never received and are now falsely reporting my account as delinquent attempting to have me pay for services that I did not receive. This is a scandal. I have wrote to many government agencies about this, and all involved in this corruption will be revealed. Discover also admitted knowing that the merchant is participating in fraud but there is nothing they can do. So let me clearly write and spell this out, the United States of America, allows a foreign entity/merchant XXXX XXXX to lie to a U.S. federally insured institution about a U.S. consumer and faces no repercussions? Why is the CFPB refusing to investigate this issue? Why is it also not having the FTC and FDIC etc. investigating as well? The fact that the CFPB is aware from my first complaint and still allows Discover to operate, not fine it or investigate it is absolute insanity. This shows the CFPB 's failure, ineptitude and negligence as an organization. This needs to be resolved ASAP and I would like an actual call from the CFPB not a generic automation email. I am sure I am not the only consumer affected by Discover 's illegal predatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received an email from XXXX that inquiries were made on my credit to XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, and XXXX XXXX. I did not try to open any of these accounts. I also received a message that a Discover card was opened in my account. I contacted Discover and they were able to close that account. They notified me that the person that opened a card on my account lives at XXXX XXXX XXXX XXXX, CT and their phone number is XXXX. There are multiple accounts that someone has tried to open on my account. I also received notification that there are two phones purchased and two phone lines opened in my name under my XXXX account and I do not have these phone lines or these phones. These were opened in fraud and I spoke to someone regarding this at XXXX and nothing has been done
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX XX/XX/XXXX {$15000.00}.
Product: Consumer Loan

Requested Ally a car loan company not to contact my husband at his job. Also emailed them to stop calling my husband at his job. He is not permitted to get calls at work. I asked and sent an email to have it stopped.
Product: Vehicle loan or lease

The repossession agent violated my rights and broke the law by breaching the peace during repossession of my vehicle. 
He continued to hook and lift the vehicle while my boyfriend was sitting in the vehicle despite my protest. 
Then he proceeded to call the police for assistance in the repossession of the vehicle. 
This makes the repossession illegal and I deserve compensation. 
I have a video that is too large to upload.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was sent XXXX USD via PayPal. The transaction number is XXXX. I was collecting monies for a gift certificate for a third party. The money for this transaction is not available to me. It has been marked " pending '' for almost 90 days, now. I did go ahead and purchase the gift certificate and included the " pending '' {$1000.00}. 

I have chatted with PayPal numerous times regarding this transaction. I would like them to either let the transaction proceed so that I can access this {$1000.00} or I want them to cancel the transaction. I know the paying party personally and they will simply write me a check. Either solution is perfectly acceptable. PayPal keeps telling me that they are awaiting more information from the payer and they can neither cancel the transaction nor can they let it proceed. I have contacted the payer and they are telling me that the information that PayPal is asking about is private information about the third party. The third party 's name was written in the " memo '' portion of the transaction simply for the payers personal accounting. The payer does not want to give private information about the third party and I completely understand! I'm not even sure it's legal to do so. I believe, PayPal is holding this money without cause and is not helping to resolve this transaction. 

Could you please intervene on my behalf? Like I said, either letting the transaction proceed or cancelling the transaction are acceptable solutions. 

Thanks you.
Product: Debt collection

This company has called me 9 times starting XX/XX/2022. I do not recognize this company and have never had any business with them, so I don't believe I owe this debt and I am not going to pay it. Than
Product: Credit card or prepaid card

I used my payroll card issued by wisely to purchase a XXXX present from XXXX and they disputed the charge without my permission, closing my card on XX/XX/XXXX. The dispute was settled with XXXX on XX/XX/XXXX with XXXX losing and XXXX  removing the money from XXXX  account. According to wisely there was no dispute and no refund was processed by XXXX so there is no money that is supposed to go back to my account. XXXX is not understanding that XXXX has already lost the funds by losing the dispute and will not process an additional refund because that means they would lose out on the funds twice. XXXX  is not understanding or helping this situation even after a conference call between us so XXXX suggested this route to help us all get our money back
Product: Mortgage

My mortgage company has not comply to help my with a mortgage modification for almost 3 years already. I have submitted many documents to them with no cooperation. Now they wwant me to vacate the property and I am XXXX. They are sending a real estate agent every week to harrased and tell me that I have to vacate the house as soon as possible. I have no plave to go to and neither the funds to do so. All I wanted was to get a more comfortable payment for my mortgage and I end up almost loosing the property. They have submitted to me documents where they claim that the house has been foreclosed on. There no place on this documents that states that and also no recorded action at the Judicial department and website. Please try to help me in getting to comply with my request and work with me instead of hurting me. I have medical records that can support my XXXX status. Attached you will find the documents where they claimed that the house has been foreclose back in XXXX and I never was notify of this until I reported my complaint. Hope in hearing from you soon. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.