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

My name is XXXX XXXX I purchased a vehicle on XXXX I got rushed out of the office where we made the cell at XXXX at XXXX at night everybody was closing the doors up I asked about the gap nobody told me anything I ended up getting broadside at the next morning next morning looked in my paperwork and there was no gap I called them they were no help they told me you signed the paper for no gap I said your guy pushed me out of the office told me to sign here sign there and did not explain anything or let me read anything now I am gon na be {$7000.00} under Because they did not give me the gap my vehicle was a total loss it had 22 miles on it done it and they will not help me in any way I asked him to add to gap the next morning They will not help me at all Somebody please help me my number is XXXX thank you for your time
Product: Student loan

To Whom It May Concern : This is the second month consecutively that my auto payment for my student loan was auto-debited from my checking account and the payment has been lost. This is per a Mohela representative that they can not locate where the {$480.00} payment went. 

A payment in the amount of {$480.00} was debited and posted from my bank account on XX/XX/XXXX and there is no reflection of this on my Mohela account. 

A second payment in the amount of {$480.00} was debited and posted from my bank account on XX/XX/XXXX and again there is no reflection of this on my Mohela account.

Now my account is noting I have missed two payments when both have been paid on-time. I have been waiting for a resolution on this since XX/XX/XXXX as I called Mohela and was informed to upload my back statement reflecting the XX/XX/XXXX payment. Now I have encountered the same issue for my XXXX ( XX/XX/XXXX ) payment. I submitted my bank account statement for the XX/XX/XXXX payment on XX/XX/XXXX and I am again, today on XX/XX/XXXX, uploading my XXXX statement on the Mohela platform demonstrating both payments have been made. This is uploaded under bank statements per Mohelas rep. I received mixed information every call on what the time frame would be to correct this, and they will report to collections after 90 days. This is a significant concern given that I've provided all of the documentation to show the payments were made. An added concern is that the initial document with my bank statement from XX/XX/XXXX has now disappeared from the " documents '' tab under my account so there is no proof I originally submitted it on my end. For good measure, I re-uploaded it again today. 

I am seeking any guidance on how to navigate this issue so my account is reflected correctly and my account is not noted as delinquent.
Product: Credit card

Citicard Credit Card In XX/XX/year> I called XXXX XXXX XXXX in order to make my monthly payment using the Touch Tone System as I have done innumerable times and was transferred to a person. I was told I could make my payment with the person which I did. Then the person said I could have an offer of 0 % on purchases through the end of the year. I said okay and took the offer. 
In XXXX I signed on the Citicard website to generate a Virtual Card Number and was first greeted by a screen informing me I could make a balance transfer for XXXX XXXX and would be charged XXXX XXXX  for about a year with the monthly minimum payment being applied to interest and then the lowest interest rate balance. I took the offer and moved about {$4100.00} from XXXX to Citicard. 
In XXXX I called monthly to make my payments with the intention to pay all new charges above the initial balance transfer but my balance transfer had been mostly paid off. 
Why? Because of a scam! 
Citicard did not reveal any friendship towards me in this regard. No. It was a shell game and they were faster than my eyes. 
They used the last month of the initial 0 % offer to cover the new offer and deplete my balance transfer whilst I was making the prescribed payments only to find out I was being charged high interest rates on balances I was trying to pay off but was suckered into an agreement that Citibank 's computers knew would eat away at starting immediately. This is a crevice I fell into and I am sure many others have. I've been a good customer of this company. 
I was scammed. 
Note : Admission : Citicard is quicker than the eye.
Product: Credit reporting or other personal consumer reports

Law 15 usc 1666B I want the late payments removed. I made payments & started payment plans. Also some creditors agreed to remove the late payments/ delinquencies however they still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their compnay has on file that was used to verify the accounts I disputed. I requested specific documentation to prove their method of verification, that has yet to be received. Being that they have gone past the 30 day mark and can not correctly verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Checking or savings account

So basically I transferred money from my account to XXXX XXXX. The amount on XXXX XXXX has a daily limit, I reached my limit and I transferred the remaining balance back to Wells Fargo which was {$1500.00}. Wells Fargo stated that they put the money back onto my account however it never reflected back in my bill. I called Wells Fargo and asked for a statement for those specific day and I noticed that I had missing information. They credited me back the {$1500.00} and then I looked at my account weeks later and I was in the negative for {$1500.00}. They eventually closed my account checking account and left my savings account open. This has affected my credit. This is not Wells Fargo first time taking money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX These accounts are reporting inaccurate information on my credit report, this is fraud and is not associated with me in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get some incorrect information of my Experian report. To start XXXX XXXX Account # XXXX this is suppose to be at XXXX and I have been fighting this since June of 2020 I have sent them proof of this. XXXX XXXX XXXX Open XX/XX/XXXX, this debt was discharge on a 1099C tax form that means the debt was cancelled and is not balance owned to the creditor. I have sending in proof which I will send you too. I want this deleted off my account since it has been almost a year and they refuse to do anything even after I gave them proof. 9 months and still nothing has been done after counts attempt what in the world do I have to do?
Product: Checking or savings account

Im writing to file a complaint against Navy federal credit union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credit. This issue aligns with the recent CFPB findings against Navy federal credit union for similar practices, where transaction settled insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX 2023, I was planning my birthday party sent XXXX separate transactions totaling {$3500.00} thru XXXX at chase bank and apparently had the wrong number. Did not find this out until XX/XX/XXXX when the venue contacted me too tell me they had still not received the money. contacted chase bank and XXXX for stop payment and completely got the run around. XXXX month later chase randomly closed my account for no reason.
Product: Debt collection

I have emailed pro collect with evidence showing that I do not owe debt and still have no evidence sent from them showing I owe debt, I have email 4 times with no response. This is in regards to a lease that I did not sign.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

15 U.S. Code 1681e ( b ) - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
ALLY FINCL - XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE XXXX - XXXX - I was never late on this account. 
XXXX - XXXX - XXXX XXXX Code XXXX - False or misleading representations PLEASE DELETE NOT MINE Unknown - XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE INQUIRY - XX/XX/year> - The following inquiry was not authorized and should not be reporting. - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE
Product: Mortgage

I had applied for forbearance through my Amerihome morgage. After I was sent a letter saying it was approved. In these days, I got a letter saying it was cancelled because of me when I did not cancel it. It was for 3 months for the amount of about {$4500.00}.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$4900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

Falsely mislead me when I became co-signer on my daughters student loans. Contract stated and on web-site when student finish school XX/XX/XXXX that if payments were paid on time for ( 2 ) years co-signer would be released as co signer. When I called after the ( 2 ) years XX/XX/XXXX I was told that I could n't be released because of my daughter credit. I have been harassed telling me that I need to sell my timeshare to pay off the student loans and that my credit is in good standing and that I can afford it. I co-signed for ( 4 ) student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am 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. Please let me know if you need any other information from me to block this information from my credit report. Thank You.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) has paid out XXXX in the past for violation against consumer 's on the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This is a fact that can be backed up by going into www.ftc.org website. XXXX XXXX XXXX ( XXXX ) is in violation of my rights under both law as well. They are reporting a debt that they claim was acquired from Capital One Account # XXXX. Capital One stated in XXXX XXXX credit bureaus that the account was sold to XXXX XXXX XXXX, however there was never a legal notice of transfer by assignment rights of the debt, a strict requirement under FTC guidelines, FTC XXXX XXXX XXXX XXXX XXXX XXXX ). Capital One admitted that the initial first late payment was XXXX XXXX. Accordingly, Capital One, based upon the 7-year rule FCRA has deleted the above referenced account. XXXX XXXX XXXX ( XXXX ) by extension from Capital One has without question the very same timeline on removal of the debt. The debt is no longer enforceable under collection guidelines within the state of New Hampshire. The evidence that XXXX XXXX XXXX does request has already been submitted, showing the legal timeline for removal, the connection to XXXX, and the deletion of all Capital One accounts across the board with all pertinent credit reporting agencies. XXXX XXXX did through its own internal investigation remove all Capital One accounts and the collection of XXXX. XXXX XXXX XXXX ( XXXX ) sent to me copies of invoices dating back to XXXX, and this was a major waste of time. The reported timeline on my credit reports by Capital One is the only item necessary to validate the removal date of the original account and any extension to a collection agency. XXXX compliance people need to go back to school to fully understand the meaning of the term 7-year rule on the elimination of obsolete negative information. I demand my file purged and that the Federal Trade Commission through the Consumer Financial Protection Bureau sanction XXXX for trying to re-age a debt already proven obsolete by Capital One and XXXX major credit bureau, XXXX XXXX. XXXX needs once again be penalized for ongoing violations of FCRA and FDCPA against American consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX, My only social security number is : ( XXXX ) and my only and correct date of birth is : XX/XX/1972. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting or other personal consumer reports

FCRA XXXX mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to {$1000.00} for each erroneously reported item on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : M & T BANK XXXX Late Dates XXXX
Product: Mortgage

I have been paying my mortgage on time until 2 months ago. I called Homebridge financial and asked what I could do. I even offered to pay partial payments or just my mortgage amount minus the PMI and was told it was all or nothing. Which I could not do. I was told I did not quality for a modification. Now I lost my job due to Covid19 and am waiting to be tested for the virus. I called again to ask what I could do and was told there was nothing they could do and they would send me a packet to fill out which I should receive in 12 days. All my calls were recorded as per the company. I was told that there would be possible assistance during this time. This is not my original mortgage company as I refinanced and wished I never did. Every time I call I am treated horrible. I am not a bad person just having some financial problems. I would like them to work with me not treat me terrible. Please help.
Product: Credit reporting 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 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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  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

I was contacted by Alaska XXXX on XXXX in 2015 they informed me that I owned on my student loans. I tried to make a payment plan and they declined stating that the only option is pay the loan, go back to school for deferment, or default. I then told the rep that I was going back to school. XXXX University then sent them a letter to them and all my federal and private student loans stating my enrollment. But shortly after the get a letter from premiere credit stating that my loans are being handled through them. I called to told him them the same issue and they stated that they would handle it. Nothing has being done and when I call they tell me the same thing while this bill is accumulalting fees. Due to my contract I 'm in deferment until I get out of school and it seems that they are n't trying to work with me knowing my situation. I 've tried to communicate with them and they tell me they are handling the issue but the bill are still coming and fees are still accumulating. Please help. I do n't want to own more on loans while I still getting my education.
Product: Money transfer, virtual currency, or money service

i havent received any money put on my card, i called customer multiple times and havent been able to reach anyone ive been on hold for longer than 4 hours. im depending on this money in order to survive with paying my bills and everything please email me back at XXXX XXXX  XXXX XXXX  to let me know ways you guys can help me. thank you
Product: Credit card or prepaid card

I purchased a XXXX gift card from the XXXX website for my Fathers birthday. My credit card was charged. After 3 weeks, my father did not receive it. I contacted customer service and found out that the card was sent to the wrong address ( per their error - I inputted the address correctly ). They are not refunding my money nor providing a replacement card.
Product: Debt collection

Certified Letter sent to collection XX/XX/2018 to ask for verification.. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to agency on XX/XX/2018. Company is still not providing me with a signed copy of the contract with XXXX XXXX debt. equi verification that is in compliance with the fair credit reporting act and must be deleted from my credit file Still no resolution and it is XX/XX/2018.
Product: Credit reporting or other personal consumer reports

Due to violations of the Family Educational Rights and Privacy Act FERPA 20 U.S.C. 1232g 34 CFR Part 99 and related federal privacy laws. The institution failed to protect my educational, financial records.

My personal and financial information were compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. This breach is a clear violation of FERPA. It is your responsibility to safeguard my information. This also includes any interest that accrues while its being investigated.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning and have no idea why they are there. When I checked my report, I expected everything to be normal, but I found these unexpected discrepancies. I even refreshed my browser, hoping it was just a temporary error, but they remained. Because of this, I am requesting that the documents Ive provided be reviewed carefully so that I can put this concern behind me.
Product: Credit reporting or other personal consumer reports

These accounts do not have to be on my credit report, I asked them to send me what method was used to verify the alleged debt according to 15 US C.S 16811 ( 7 ) Method of verification-Description of reinvestigation procedure. They continue to report these accounts illegally and are violating my rights.