23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This lending company calls EVERYDAY, approximately every two hours, starting as early as XXXX XXXX XXXX XXXX. They call using various out-of-state unrecognizable cell # s. They leave long messages, always on a teleprompter, stating that my loan has been approved for up to {$80000.00}. 
I have one existing credit card with Capital One, which I became unable to make monthly, timely payments on due to divorce. I contacted Capital One, and got nowhere attempting to work with them. I have never requested a personal loan from XXXX nor from any other lending company that has continued to harass me everyday. I believe that Capital One is behind this. When I have spoken with many of these callers from various agencies, and told them that I have never applied for a loan with them, and that I am registered on a National Do Not Call Registry, ( and asked to have my name/cell # removed from their contact list ), the calls stop for several days, only to resume again. These are nothing but harassing phone calls.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX Account XXXX XXXX {$480.00} ; XXXX XXXX XXXX XXXX XXXX Account Balance : {$11000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

I purchased a new car on XX/XX/XXXX and Santander Consumer USA financed the car for me! The car was XXXX I placed XXXX down which brought the car to XXXX then after taxes and fees the car was XXXX well Santander financed the car for then basically did a dollar for dollar on the finance charge, so they charged me XXXX for the finance charge, so I am paying for my car twice which comes up to XXXX XXXX paying for a car that was XXXX! I have had the car for XXXX  years now, I have filed Bankruptcy XXXX  times and they have charged off my account and also written-off the account which means they no longer have it and they have gotten a credit for it on taxes, but they keep calling me and harassing me and keep lying to me about what they have done! This is ridiculous and should be against the law! And they also shared my personal information and account number to someones personal information! I really would like to know how I need to proceed with filing charges against them for that! I have the letter from the CFPB it happened XXXX XXXX, XXXX! I believe and you guys caught it on XXXX XXXX XXXX! How can I move forward with this information?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handlings of dispute in particularly in light of the recent Cfpb lawsuit highlighting significant issues with the platform despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering my lost funds was impossible and tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but also allowed repeated offenders to exploit the system leaving users vulnerable to scams. The lack of transparency is unacceptable and raises serious concerns about customer safety.
Product: Consumer Loan

I had taken out a loan with Quality Lenders and my grandmother passed away, I came home after services to find out the company I worked for had decided to let me go. I explained this to them and said I would pay as soon as I could. They never offered me a settlement on the debt, they also never offered a payment plan. They harassed me on XXXX as well. The girl 's name was XXXX and her XXXX said " XXXX XXXX '' with the information for Quality Lenders, they violated my right to privacy by doing so. They would comment on pictures that all of my friends and family as well as potential employer, and anyone who might look at my XXXX page see. I had to block three profiles. It is now in the courts. I paid XXXX before I left home. The balance should have been about XXXX. I got a paper in the mail for nearly XXXX. The companies have since closed in South Dakota. I feel that I have been harassed.
Product: Debt collection

Notice of billing error ( XXXX XXXX XXXX ) Was sent of to West Lake Financial Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : I have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement. 

The first one being the number of payments as well as the number of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( XXXX ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.

Under regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of amount financed. Is in violation of 7 CFR on the Contract bill state that XXXX was the Buyer and the Creditor XXXX ( c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. 
The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). 

These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt 15 U.S.C . 1692e.

All debt obligations and securities are owed to the United States 18 U.S.C 8. 
they had also close my account in XX/XX/2022 i sent several notice before i had demand a validate my debt to see both-side of the ledger, RESIND my signature i was told that i cant get those in formation by mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # 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

I am deeply concerned about Equifax 's noncompliance with the Fair Credit Reporting Act ( FCRA ). Specifically, they have disregarded my request for the removal of inaccurate accounts from my credit report, in direct violation of federal law. 

The problematic account details are as follows : ACCOUNT : XXXX XXXX XXXX XXXX - {$8800.00} - XX/XX/2020 I have informed Equifax multiple times about the inaccuracies in this account. They persist in reporting incomplete and incorrect information. Federal law mandates that consumer reports maintain maximum possible accuracy, per 15 USC 1681e ( b ), defined as " correct in all details ; exact. '' Equifax 's reporting falls short of this standard.

Furthermore, 15 USC 1681i ( 6 ) requires Equifax to notify me of the results of a reinvestigation within five business days, but they have failed to do so.

As the original creditor, I alone can validate this debt, which I do not. Hence, I demand the immediate deletion of these accounts from my consumer report. 

I respectfully request CFPB intervention to ensure Equifax 's compliance with federal law : Conduct a thorough reinvestigation.

Provide written notice of results within the required timeframe. 
Delete inaccurate and incomplete account information promptly. 
Your involvement is crucial to rectify this matter, protect my consumer rights, and hold Equifax accountable for FCRA violations. 

Also as I stated before Equifax actions seem like they careless or disregard the CFPB and federal law. As I stated before I am the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the erroneous late payment entries that have appeared on my credit report for my loan with XXXX XXXX XXXX XXXXXXXX. It is crucial to note that I have consistently made all my payments on time, maintaining a stellar payment record with this institution. The presence of these late payments on my credit report is not only misleading but also damaging to my overall credit standing. I have made diligent efforts to rectify this matter by contacting the XXXX Credit Bureaus, but unfortunately, my attempts have yielded no successful resolution so far. It is evident that there has been a serious error on their part, and I request of you to conduct a thorough investigation into this issue immediately. I can not stress enough the urgency of this matter. The integrity and accuracy of my credit report are of utmost importance, as it directly impacts my financial opportunities and credibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

FAIR COLLECTIONS AND OUT Last reported : XX/XX/2018 + {$5500.00} RENT RECOVERY SOLUTIONS Last reported : XX/XX/2018 - {$1500.00} XXXX XXXX XXXX Last reported : XX/XX/2018 + {$360.00} This account need to be taken off my credit didnt authorize this Im a victim of identity thief so please have it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX  acc XXXX this account do not belong to me XXXX XXXX XXXX Acc XXXX this acc do not belong to me. 

XXXX  XXXX  XXXX  acc XXXX this acc do not belong to me XXXX  XXXX acc XXXX this acc do not belong tome
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX in 2011, through XXXX, I took out a XXXX loan to assist with the cost of the XXXX XXXX. While I had made payments ( when possible ), unbeknownst to me, XXXX now indicates that they own the loan. They had never forwarded any documentation indicating so, via an assignment or anything else. I have disputed with the credit reporting agencies, but to no avail. I have asked time and time again for this information, and no one is able to provide me with said documents. The contract I had was with XXXX not XXXX. Also, they have not furnished me with a copy of the agreement with XXXX ( signed by me ). Nothing has been furnished at all.
Product: Credit card or prepaid card

On XXXX XXXX 2017 I called regarding the annual fee that I WAS NEVER R TOLD ABOUT when I called the company to get a credit card for the first time. The representative approved me over the phone but he never said anything about an annual fee ... Fie the past couple of years I have called and have explained the situation and the representative had been able to waive the annual fee Tonight XXXX XXXX employee number XXXXRefused to waive the annual fee that I was never informed I had to pay when I was offered the card over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to dealership 2020 was promised and guarauteed my credit would only be ran inside the dealership. Instead unknowningly and without my permission, it was ran through mulitple finance companies. Following companies are below! 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not owe this debt. I have disputed this debt with XXXX  and it was resolved. I did not approve of allow them to sell or disclose my information.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX 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. 

XXXX XXXX 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 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: Checking or savings account

I am 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 lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, were transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I'm requesting an investigation into my account transactions.
Product: Credit card

I signed up for the Capital One Venture Card with a offer to get XXXX miles after spending {$500.00} in 3 months. I met the requirements but I did not receive the XXXX points so I called Capital One customer service on XX/XX/year> to find out why. The customer service representative said that I did not qualify for the offer but did not give a good explanation as to why. He just said that sometimes you can apply for the offer and we issue you a card but you may not receive the bonus. I feel like I should either be denied the card or given an option to not accept the card without the bonus. I did not see an opportunity to cancel my card application.
Product: Checking or savings account

This complaint was already taken with the Federal Reserve which is forwarding the issue to you which concerns bill pay which I had a 10-year history and all my accounts with my creditors and vendors and which I was promised would be transferred to the other account this one which I opened from a core checking in Bank of America to a safe balance checking in Bank of America instead what happened was they transferred no information and I've tried repeatedly to get this addressed that it affected my financial relationships with creditors and my overall well-being and that was all information critical and important to me and Bank of America through ignorance poor execution did not do what they said and despite repeated escalation efforts did not address what they did and they cause me harm which continues to this day because the bill pay together with my primary account was the way that I interface with all my creditors as well as my US Government obligations and Banks should not be able to do this sort of thing without consequence the primary actions occurred in XXXX mid to late XXXX when they were closing the other account and they promised to move my bill pay history and bill pay accounts
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of late payments on my credit report for my XXXX XXXX account. The details of the account are as follows : Creditor Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), this account has violated my federally protected consumer rights to privacy and confidentiality under multiple sections of 15 USC 1681 : 1. 15 USC 1681 Section 602 ( a ) : This section explicitly states that I have the right to privacy concerning my credit information.

2. 15 USC 1681 Section 604 ( a ) ( 2 ) : This section mandates that a consumer reporting agency can not furnish an account without my written instructions, which I did not provide for the reporting of these late payments.

3. 15 USC 1681c ( a ) ( 5 ) : This section prohibits any consumer reporting agency from making a report containing adverse information that is more than seven years old. The late payments reported on my account are outdated and should no longer appear on my credit report.

4. 15 USC 1681s-2 ( a ) ( 1 ) : This section states that 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. XXXX XXXX has reported inaccurate information regarding my payment history. 
The incorrect reporting of these late payments violates my rights under these federal statutes. Therefore, I request that Equifax immediately investigate this matter, delete the incorrect information from my credit report, and provide written confirmation once the corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notification of several new hard inquiries on my XXXX, and Equifax credit reports. The inquiries were listed as follows : XXXX reports inquiries from : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX Equifax reports one inquiry : XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX After checking my credit reports with both companies, speaking with their consumer service agents, as well as contacting the companies that performed the inquiries, I found that both agencies had incorrect SSN, Name, address, birthdate and other personal information listed on my report. From speaking with XXXX XXXX and XXXX XXXX I learned that the credit checks were performed for the individual whose name, address and SSN have all been erroneously listed on my report. 

I have disputed all of this information with both agencies. 

I have just received official notice from XXXX in the mail today showing the revisions they made due to my dispute, yet the incorrect name is still listed, as are the inquiries. As of now, Equifax has also investigated my dispute and upheld the inquiry as factual, and will not remove it. 

This issue with XXXX has been going on for over five years, as sometime around XXXX I had an extended dispute with them to remove outstanding debt records that belonged to this other person who XXXX keeps reporting on my record. At the time I believed it all to be settled, and hadn't checked back in as there hadn't been any new issues until this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX  XXXX XXXX XXXX {$2600.00} XXXX  XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX Inquired on XX/XX/2018 XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX XXXX.
Product: Mortgage

I am applying for a refinance of my income property. I have submitted all statements, proof and information XXXX has asked for including direct access to my income taxes. There was only one item that I had questioned. They want me to sign a Third Party Authorization Form that covers a large list of items that they told me they do not need, " the amount and source of the down payment, employment and income information, and assets and liabilities. '' and " I/We authorize you to provide to Lender and to any investor to whom Lender may sell my mortgage, and to the mortgage guaranty insurer ( if any ), any and all information and documentation that they request. Such information includes, but is not limited to, employment history and income ; bank, money market, and similar account balances ; credit history ; and copies of income tax returns. '' I asked the Manager on my account if the form could specify an end date on the document and if the form could list what they wanted access to more precisely, before I signed it. They denied both these requests via email, at first stating they could not legally change the document, then stating that it was against their policy to change the document. I asked them what they still needed for my application as I has submitted everything they asked for. The answer was, " We will conduct a verification of employment within 10 days of your closing date. '' I told them I would be happy to request my company give them access to my records. They stated, " As of right now that is all we would need, however, please keep in mind that your file has not been submitted for final review to our Underwriting team. Just to be very clear, we will ultimately need that third praty authorization form signed. We will not proceed with the loan if that form is not signed. '' I am an older person trying to limit my exposure to fraud and advertisement. I am fearful that even though XXXX assured me they have all the documentation they need from me, they said they will turn me down for a loan if I don't sign an unnecessary document so they and their business partners have access to seemingly unnecessary information. They are unclear as to why they are insisting I sign this Third Party Authorization or they will deny my loan. 

I do understand I can go to another company with whom I haven't had this issue, but the rate would now be higher since I already locked in with XXXX. Now I am concerned there will be retaliation after I have questioned them. In the past, I have always provided any documents asked of me in this process. This seems odd and overly aggressive.