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

On Friday the XXXX, I called Ally Financial to get a payoff quote for our van, which was around {$5700.00}. I told them the check would be in the mail the next day & it was sent out by certified mail on Saturday the XXXX so that I could track it and it would have to be signed for. On Monday the XXXX, Ally Financial issued a repo order. My payment was received on Wednesday the XXXX and entered into their system the same day, which I have confirmation of. The van was repossessed on Friday the XXXX without notice from either Ally Financial or the repo company called XXXX XXXX. I only learned about the repo because I woke up Friday morning to find the van missing and I called the police to report it stolen. Multiple employees at Ally Financial claimed the payment I made never existed despite tracking number confirmation of it's receipt and the tracking on the slip that had to be signed upon it's receipt. Ally Financial had my wife wire them {$5000.00} from XXXX XXXX on Friday the XXXX & another {$1100.00} on Saturday the XXXX, and when I called on Saturday to confirm they had received the second payment I was told they had begun processing the check they had been claiming they had never received. I was also told they started processing the check after receiving the {$5000.00} payment, but the person I was talking to said it made no sense since it was started after everyone was supposed to have left. In other words, someone or a group of people was trying to turn a less than {$6000.00} payoff into one around {$12000.00} while claiming the original payment was never made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write you to address cascading events sprung by serial errors of Citizens Bank XXXX XXXX MA. It started last fall with XXXX mailing my bank statements to a defunct out of state business address in error. These statements indicated three returned checks with associated overdraft fees. XXXX mailed a letter to me received on XXXX XX/XX/2022 stating that I owed XXXX  {$230.00}. 

This if the first time I knew there was a problem since all my statements were being sent elsewhere without my knowledge or consent. I called the number on the letter, and I asked for and got a list of the six charges totaling {$200.00}. I agreed to pay the full amount of {$230.00} immediately. The XXXX Rep said if paid that same day there would be no further action. 

I immediately went to the XXXX ( local ) branch, met with Bank Manager XXXX XXXX XXXX, explained the situation, and I paid the full balance. She assured me that the matter was at that moment ; settled. XXXX XXXX revealed the statements were going to a NH address and thats why I had no notice. Further, she said she would bump my complaint up to top management for corrective action. As of now, I have heard nothing. 

Yesterday, I received a demand letter for {$230.00} from a debt collection company, XXXX XXXX XXXX, XXXX ( attached ). Now, my credit score has been damaged by false reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Equifax credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of an auto finance loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), a personal loan account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), a rental lease account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), a telecommunications account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), an auto loan account opened at XXXX XXXXXXXX XXXX XXXXXXXX on XXXX Account number XXXX. These acoounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Idenity Theft Criminal Complaint ( XXXX ) 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: Checking or savings account

the bank is people united bank I never open an account with them and they have one
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON, in FACT CONSUMER, Im a native of this lane, THIS COMPANY IS COMMITTING FRAUDXXXX DOES NOT HAVE MY PERMISSION TO USE MY INFORMATION, I HAVE SENT SEVERAL CEASE & DESIST, I AM FILLING A COMPLAINT IN SMALL CLAIMS COURT XXXX IS VIOLATING THE FAIR CREDIT REPORTING ACT!
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 those account 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 XXXX days before the payment due date.

( XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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

Experian is using incorrect/imprecise language on my credit report which is causing XXXX to XXXX me credit. Experian says I have " insufficient credit experience, ' which is not true. What they are trying, but failing to say is that I have insufficient RECENT credit history. By saying insufficient credit experience, it could mean that I was a XXXX XXXX XXXX with no credit experience at all. However, I am a XXXX XXXX XXXX with over XXXX years of excellent credit experience ; just not within the last XXXX  years. I explained that I was retired from my job with the Federal government XXXX  years ago and I PAID OFF ALL MY DEBTS at that time, which to my generation was the responsible thing we were taught to do. Instead, because experian refuses to use accurate language, XXXX keeps referencing 'insufficient credit experience ' as the reason they are denying me credit - which is untrue. Whoever at experian crafted the language should be required to go back to college, because they do not understand correct usage of the English language. They would fail the test if they tried to say insufficient credit experience meant the same thing as insufficient recent credit history. Everyone knows that and Experian needs to accurately reflect my long history of positive credit experience when issuing my credit report. If they are going to be the clearinghouse of information, they have a responsibility and obligation to be accurate in their reporting.
Product: Debt collection

I was on my way to the store sometime in 2022 at XXXX, with my son and spouse. Lo and behold, a vehicle ran into my car while turning at the wrong lane. The police showed up, the ambulance came. We never received any form of type of service from them. The ambulance staffs clearly stated to me that since there was no casualty there will be no charge of any kind. Eventually I got a bill at first I thought it was a scam I ignored it then got to realize that its at the collection. 

This is highly wrong. I need them to proof to me were I got any type of treatment or if my son and spouse got any type of treatment from them. I dont owe these elmwood ambulance department and I firmly believe they do this to so many people which is wrong. I wont pay for what I dont owe. The fellow who hit me doesnt even have insurance and was charged to court. This is literarily the only collection report on my account and its absolutely false. I do not owe these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I created an account with Equifax to view my credit report and credit score. I can see my report ok, but Equifax requires you to agree to their terms to view your score. When reading the terms it says you can opt out of certain data that Equifax shares with its affiliates and non-affiliates, and tells you to click on the privacy notice. When doing that the website takes you to their privacy notice : XXXX XXXX XXXX  In the privacy notice it says if you want to " limit our sharing '' you can go online, or call XXXX. I called, and was sent to XXXX. I talked to XXXX ; he didn't understand what I am trying to do, and said he can't view the privacy notice that I am looking at. Finally he muted himself and wouldn't respond as I tried to explain. I called the number back and talked to another person, a lady, and had the same experience. I finally asked, repeatedly, to talk to a supervisor, and she finally connected me over. I talked to XXXX, and XXXX said they didn't have the ability to do what I'm asking, nor could they access the privacy notice. I told XXXX that I would file a complaint with CFPB, and XXXX said ok. 

I want Equifax to limit the sharing of my personal information so I can see my free credit score. Equifax is not doing that, and is violating the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.
Product: Vehicle loan or lease

I purchased a XXXX XXXX on XX/XX/XXXX from a XXXX dealer and financed it through BMW Financial Services. My first payment of {$670.00} isn't due until XX/XX/19. On XX/XX/2019 I made my first payment of {$750.00} expecting the extra amount to go towards principal reduction. Instead, the extra amount of my payment was showing as a credit towards my next payment. I called BMW for  an explanation and she said that it does go towards my principal reduction. I don't understand how it will go towards my principal reduction AND be a credit towards my next payment ... that doesn't make sense they would give me a double credit for that amount. That doesn't help pay down the loan and reduce my interest cost, but it helps BMW though. 
On XX/XX/19, ( first payment not yet due but still made ), I made an additional " other '' payment ( from the BMW drop down payment menu ) of {$540.00}. After this principal reduction posted, I noticed that {$470.00} went towards principal reduction but they applied {$69.00} towards INTEREST. I called again and they told me that interest still accrues daily on the loan and that was the charge. The daily interest is part of the monthly payment which I already pre-paid. So now BMW is charging me interest for the month with my regular monthly payments AND charging it AGAIN when I make a principal reduction. I don't understand how I can pay off my loan sooner and save interest. If I continue to pay extra on my loan the way BMW is charging me, I will wind up making all my payments with interest plus additional interest on my extra principal reduction payments. I'm being penalized for trying to reduce my interest cost. How can they charge interest for the principal reduction when the next loan payment isn't due until the end of XXXX now. 
As a result of this unfair practice, I have started the process of refinancing this XXXX  loan with my credit union that I have financed vehicles with in the past ( and applies my full principal reductions the correct way ). However, with this new loan last month from BMW, and the credit inquiry from BMW and with my trade in being paid off, my credit score has dropped enough where my interest rate on my new refinance loan will be 4.58 % which is higher that my 3.99 % rate with BMW. It is not fair that I have to refinance to get away from BMW 's unfair lending and pay a higher rate because of THEIR actions. This isn't right. I didn't do anything wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My Capital One XXXX card has a rewards program that allows transfers out called " convert rewards ''. When I try to do this, there system does not allow transfers out to any of their partners. This functionality is core to the benefits of this card, and no where in the terms of the contract does it state that this should be limited in any way. Capital One is not fulfilling its end of the contract I entered in to with them.
Product: Credit card or prepaid card

In  XXXX  of  2016 , I purcha sed a log splitter from Home Depot. I applied for a credit card through Home Depot and was accepted. Hoping the information about the account would arrive soon in the mail but nothing happened. 6 months later I received a UPS delivery containing a letter stating that I was behind on payments and that I would need to bring the account up to date. I called the number on the letter which was from Citi bank and explained that I have not received any information on the account, there response was that they tried to contact me on my cell phone and my home phone. Both have recorders on them. I never received a phone call from anyone at Citi bank. the  original price was  XXXX  now it 's ov er 1600.00 they   say I owe. They asked for payment over the phone but I 'm not comfortable with giving my bank account number or SS number. when I decli ned Citi bank asked me to call another number and I did this morning which was another run around Citi then said to  call another number which was  XXXX   XXXX  which had no information under my name. I DO NOT KNOW THE ACCOUNT NUMBER signed : Frustrated
Product: Credit reporting, credit repair services, or other personal consumer reports

I did have fraud in the past i did file i was also incarcerated as well when the person was using my identity ..the person open up account with XXXX XXXX XXXX XXXX XXXX XXXX other companies as well i only lived in two address which is XXXX XXXX XXXX XXXX XXXX XXXX and currently living at XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I pulled my credit to discover a debt that doesn't belong to me. It is from OAC and account # XXXX, XXXX account number XXXX and lastly XXXX/XXXX  Credit # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I have transferred XXXX ethereum from XXXX XXXX  on XXXX XXXX to Coinbase XXXX  account. I had no idea that I had to " bridge '' my funds before transferring. Also nothing on XXXX XXXX  warned me about bridging assets at the time of transfer ( now, after thousands of people made the same mistake, they warn people to bridge before sending ) As a result, my funds are stuck at the address that was provided to me by Coinbase XXXX  but on XXXX XXXX. XXXX ( aka XXXX ) help desk has said that they can see the transaction, and the coins are sitting at that address, but only Coinbase XXXX can help me since they hold the keys to said address. I have asked for those keys to the address since they belong to my account, I was denied access. Coinbase XXXX  help was inadequate and they closed my service ticket without giving me a final word on the issue. Other exchanges ( XXXX, XXXX., XXXX  ) do offer solutions for their customers that are in similar situations. This proves that those funds are recoverable. Coinbase customer service is unacceptably slow and doesn't provide solutions to their customers. As a result, at the time of writing, I am sitting on a $ XXXX loss. 
Also, while it took me over a month to receive an automated email from Coinbase support, on XX/XX/XXXX, a popular XXXX  account has XXXX  that he made a similar mistake. Because he is a popular public figure, Coinbase Support reached out to him in 1 hour. Meanwhile there are people with 3 month old service tickets. I don't think this is fair practice. I have attached a pictures. Thank you.
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 corrected from erroneous reporting in my file are listed 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My husband and I PCSd from XXXX to North Carolina in XX/XX/XXXX. We were both XXXX XXXX military at this point. I could not get a decent internet provider at our rental location so I called XXXX and asked if there internet was compatible with high speed streaming, playing video games etc. They said yes, so I proceeded with their service. Once we got service started up there was constant outages and very very slow speeds. I called and they told me I was on a plan that had a high speed data cap and after I used the high speed data we went to slower speeds. I was not aware of this when I signed the agreement and the internet was not compatible with video gaming as well. I called multiple times and after about XXXX months I decided to cancel service because my husband had got orders to skill bridge and we would be moving closer to my duty station. We moved shortly after and internet was provided through our rental agreement at our new location so we couldnt transfer our plan either. Sometime in the beginning of XXXX trueaccord, a debt collection agency, reached out stating I had a debt of {$480.00} and some change. I cant recall the exact number. I disputed the debt and never heard back. They are charging XXXX for not returning the equipment, and the rest is a charge for every month left on the contract. We have now PCSd to Florida and Resurgent, another debt collector, is now trying to collect on the debt. They reached out approximately in XXXX of XXXX. I have disputed it by sending proof of my husbands military orders, along with an XXXX XXXX memorandum for proof of my service and told them we are covered by XXXX and they will not dispute it. They constantly have issues finding my account. They argue with me saying XXXX only covers student loan interest rates. I have had someone from military legal reach out on my behalf and explain but now theyre saying they can not find any of the documentation I have sent in. I also returned the XXXX equipment through the box the equipment was sent to us in shortly after canceling service. Theyre requesting proof that we went it in but this has been two years ago so I dont have any type of documentation for that proof. I called XXXX months ago requesting my contract and they would not provide it to me. They sent me to viasat legal where they had an overall page of legal documents. I called again last week and after asking to speak to someone else they said they could send my contract to me in XXXX business days. I got my contract emailed to me XXXX business days later and have sent it to my lawyer for them to look over. I truly appreciate any help you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im was looking at my credit to make sure Im keeping up with everything and I saw several items on there that is not mine. I was told you all can help me with this. I have filed a complaint with the FTC and reach out to the police. Im doing this on my own and need some help. I saw these accounts that I dont know anything about XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRT. There also several inquiries that I did not run my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On my XXXX XXXX XXXX collection on my TransUnion I have XXXX collections, this most be delete the error immediately. 

I have attached documents
Product: Payday loan, title loan, or personal loan

on XXXX XXXX I purchase a XXXX XXXX from XXXX XXXX in XXXX, NJ. On XXXX XXXX, XXXX I paid the loan off in full. As of this date I have not received the original title or letter stating that the loan was satisfied.l The loan was at the Valley National Bank XXXX XXXX XXXX XXXX, NJ XXXX. On XXXX XXXX I called XXXX XXXX and was told title was mailed on XXXX XXXX XXXX and I told them I never received it. I called on XXXX XXXX and spoke with a XXXX and he said title was never sent but a XXXX party was involved my title support XXXX and I spoke with XXXX she said they ca n't help it was the bank that had the title. Called back and spoke with a with a XXXX XXXX XXXX and she was going to look into it because the depart was closed but she said that the title was probably sent out. On XXXX I spoke with a XXXX XXXX XXXX and she was going top look into it but call XXXX party they could help. Called XXXX at XXXX and said for a fee he would send me a letter to get title from XXXX XXXX. Called XXXX back spoke with a XXXX XXXX XXXX and said they do not have title other company has it not in system yet to call back
Product: Debt collection

A letter was sent on XX/XX/2019 from XXXX XXXX XXXX   stating I owed {$1000.00} to paypal inc. I do not owe this debt and is a attempt to collect a debt that was due to theft of my identity.