23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

United Collections Bureau XXXX is attempting to collect a debt that is inaccurate and false. Please remove this account from my XXXX, XXXX, and XXXX credit reports and force United Collections Bureau to cease contact with me.
Product: Debt collection

I, the consumer XXXX XXXX entered into a credit transaction sale in 2015 with DISCOVER CARD. I extended my credit to them by way of 15 USC 1602 using my social security number. This is a finance charge in which is the sum of all charges. DISCOVER is continuing to use abusive tactics trying to collect a debt that was already paid. I've sent three cease and desist and three Affidavits of Truth and DISCOVER refuses to stop contacting me in reference to a debt. This is also a violation of my federally protected consumer rights in which is 15 USC 1692. DISCOVER has also violated my privacy on several occasions by reporting my information to credit reporting agencies without my permission. DISCOVER has never given me an opportunity to opt out of being reported in which is in violation of 15 USC 6802. DISCOVER has caused me financial injury and has ruined my reputation in which is in violation of 15 USC 1681b. I want this harassment to stop immediately.
Product: Debt collection

In XX/XX/2021 I ordered furniture from XXXX XXXX XXXX. I uses Affirm to pay for the transaction. 

Time went by and no goods were received by me from XXXX XXXX XXXX. I received a call from Affirm where I explained that XXXX XXXX XXXX had no delivered the furniture. I said that it was not set to be delivered until XXXX of XXXX. I would then be happy to make a payment to them. 

I explained to them they were in violation of The Fair Credit Billing Act. They have refused to comply and have stated that they don't have to. 

They have reported this late to the credit Bureau, threatened to add late fees and terminate relationships with me because of this. I am not breaking the law they are. 

XXXX XXXX XXXX said they experienced delays as did other companies. Affirm should have waited for delivery or to say the least modified the payment schedule based on when the goods arrived.
Product: Credit reporting, credit repair services, or other personal consumer reports

When looking at my credit report, I noticed some fraudulent accounts and hard inquiries. I contacted the Federal Trade Commission and received a report from them. Please block and remove the accounts and hard inquiries from my credit report. I have attached my Identity along with all supporting documents as well.
Product: Vehicle loan or lease

To Whom It May Concern : I went on loan with my son so he could buy a car from Carmax. 
When he could not pay the car on time I would pay for him on time. This XX/XX/XXXX my son traded the car in on a new one. The new car lot called got pay off amount and told Carmax what was going on. No one called me or mailed me or emailed me of any problem. 
Car was payed off in XX/XX/2019 and now show on my credit report that payment Status 30-59 Days Late. 
Car was payed off in full and Carmax was informed that my son got new car and they would be payed in full. They should not hit me for late payment on last payoff when they know what is going on. Payment Status needs to be fixed on my report to no days late. 
Thank You!
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I have a negative listing Credit Collection Services with a balance of {$750.00} in which I never had an account with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted ( via certified mail ) a dispute, FTC report, and all qualifying identification information to Equifax on XX/XX/2021, regarding a fraudulent account on my credit report. The information arrived to Equifax on XX/XX/2021. 

This is the tracking number for the mailed dispute : XXXX. 

The fraudulent account in question, is XXXX XXXX XXXX ( Auto ). 

I reached out Equifax to check the status of my dispute on XXXX XXXXXX/XX/2021 @ XXXX. I was informed that my dispute was still in progress ( even though bureaus must block information resulting from identity theft within four business days ), and to check back on XX/XX/2021. 


I called Equifax today ( XXXX XXXX ) @ XXXX XXXX. I spoke with a representative named XXXX ( employer ID : XXXX ), who informed me that my FTC report was received and valid, however she could not give me the status of my dispute. 


I am reaching out to you all to correct this issue. Equifaxs inability to report accurate and truthful information has hurt my credit score, and damaged my ability to gain employment, housing, and funding. 

Equifax has made it extremely hard to comprehend them on the phone, they transfer me repeatedly, and disclose personal information without validation. 


Please resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

Dear SirMadam My name is XXXX XXXX XXXX On the XXXX of XX/XX/2022, I won a lot XXXX at XXXX XXXX ( a marketplace of used cars ). It was a XXXX XXXX. The total sum of money was XXXX USD. On the same day, I contacted the local branch of a bank to make a payment and the payment was made. However, for unknown reasons, the transferring bank sent it only on XX/XX/2022. Unfortunately the recipient did not receive the money as at XXXX XX/XX/2022 and the lot was placed at the market place again. On XX/XX/2022, I turned to my bank ( transferring bank ) to cancel the payment, because the recipient hadnt received the money. About a week later, my bank ( transferring bank ) announced that it was not possible to cancel the payment, because the money was credited to the recipient 's account. When I communicated with the recipient, they said that the money had not been received by the XXXX of XX/XX/2022. According to XXXX tracking on the Wells Fargo bank recipient 's website, the payment is listed as " in progress. '' When I ask Well Fargo Bank to explain what has happened with the money they dont give me any information. 
Thus, I am writing to you to ask for help. I would like you to help me find this money and if it is possible I want you to help me to contribute to deposit money to the account of the recipient. If it is impossible I want to refund my money. 
All the available documents have been attached. 
I am looking forward to your reply. 
Yours faithfully, XXXX XXXX.
Product: Mortgage

Consumer Financial Protection Bureau, I am writing to file a formal complaint against my loan servicer, August Re, located at XXXX XXXX XXXX. XXXX, XXXX XXXX TX XXXX, for significant issues related to negligence, lack of transparency, and potential predatory lending practices.Despite my continuous efforts to address concerns regarding insurance coverage for my property, August Re has repeatedly failed to fulfill its obligations, resulting in a lapse in insurance coverage and subsequent cancellation of my flood policy back in XXXX due to the lapse of homeowners I called the carrier and was told that they tried to get payment multiple times no response. This negligence has left my property vulnerable and exposed to potential risks.Furthermore, August Re has refused to provide me with essential lender information, denying me the ability to directly address these issues with the appropriate parties. When requesting lender information, I was told that I couldn't have access to this private information and was only provided with the name " XXXX XXXX XXXX XXXX. '' This lack of transparency has hindered my ability to effectively manage my mortgage and address critical issues impacting my property.Moreover, I am deeply concerned about the predatory lending practices allegedly carried out by XXXX XXXX XXXX XXXX, the company associated with August Re. It has come to my attention that they are engaging in practices that target and exploit the XXXX  community in XXXX TX XXXX They offer loans with flexibility but set borrowers up for failure, ultimately leading to the loss of their homes and the company 's gain through resale.I believe that these actions constitute a violation of consumer protection laws and demonstrate a clear disregard for the well-being of borrowers. Such predatory practices have severe consequences for vulnerable communities, leading to financial instability and housing insecurity.Therefore, I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into the practices of August Re and XXXX XXXX XXXX XXXX. I request that appropriate enforcement actions be taken to hold them accountable for their negligence, lack of transparency, and potential predatory lending practices.Furthermore, I seek assistance in obtaining the necessary lender information to address my mortgage concerns directly and ensure that my rights as a homeowner are protected.Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these serious concerns and protect consumers from predatory lending
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USE TO OBTAIN AUTO LOAN, CREDIT CARDS, BANK ACCOUNTS AND INSURANCE WITHOUT MY KNOWLEDGE SOMEONE USE MY PERSONAL INFORMATION I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

I was a victim of scam, when I applied for a job on XXXX XXXX and the company that supposedly hired me, told me to XXXX checks they sent me by email through my bank account to purchase supplies that I would need for work. I deposited the checks and found out a few days later the checks were fraudulent. And now my bank account is over drawn {$1300.00}. They told me to reach out to XXXX and said they did an investigation. And soon after denied my claim.
Product: Vehicle loan or lease

Dear Sir or Madam, I am writing to file a formal complaint regarding the repossession of my vehicle by Ally Financial, and I seek your offices assistance in resolving this matter. The vehicle in question is a XXXX XXXX XXXXXXXX XXXX. 

Background and XXXX : In XX/XX/XXXX, I made a payment to bring my account current and cover all back payments on the vehicle. Despite this, I experienced significant delays in receiving the release paperwork for my vehicle. It took over three weeks and multiple calls to Ally Financial before I was able to obtain the necessary documents. After this extended wait, I was finally able to pick up my vehicle in XX/XX/XXXX. 
After the vehicle was returned to me, I assumed that since the vehicle was set up for automatic payments, the payments would be drafted monthly as scheduled. I trusted that the payments would be automatically processed as they were supposed to be. 
However, on XX/XX/XXXX, I learned that my vehicle had been repossessed. Upon contacting Ally Financial, I was informed that a payment had not been made, and this was the reason for the repossession. 
I explained to Ally Financial that my vehicle payments had been set up on auto-pay, and I expected the payments to be deducted from my account. Ally Financial informed me that they had never processed the payments, which I believe directly led to the repossession. 
I requested to speak with a manager, but no manager was available at that time. 
On XX/XX/XXXX, I called again and spoke with a representative from the special escalation department. I was told that I would need to pay the full remaining balance of the loan to reclaim my vehicle. I was also told that a special investigation would be initiated regarding the issue, and I was instructed to follow up in 24-48 hours for an update. 
On XX/XX/XXXX, I called once more for an update, and I was informed that the amount to retrieve the vehicle still remained the same. I was again told that the full remaining balance of the loan would need to be paid in order to retrieve the vehicle. This was despite the fact that I had been informed that an investigation into the payment issue was ongoing. 
Request : I believe there has been a significant error on Ally Financial 's part regarding the failure to process the auto payments. Furthermore, the extended delays I experienced in XXXX regarding the release paperwork, combined with the repossession in XXXX, have caused undue hardship. 

I am requesting your offices assistance in investigating whether Ally Financial has adhered to proper procedures and consumer protection laws under New Jersey state regulations. I am also seeking assistance in resolving this matter, so I can regain possession of my vehicle or receive a fair and reasonable resolution. 

Thank you for your time and attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Simply be is trying to collect is outside of the statute of limitations in North Carolina where I live and where the card was opened is 3 years. My account number for XXXX XXXX  for XXXX XXXX XXXX is XXXX. My account number for XXXX XXXX  for XXXX is XXXX. My account number for XXXX XXXX  XXXX XXXX XXXX is XXXX. My account number for XXXX XXXX  for XXXX XXXX XXXX XXXXXXXX. It has been more than three years for all accounts. I have disputed the information with all credit bureaus and company and the company will not remove the information from my credit reports with the Bureaus although it is now a zombie debt. The statute of limitations is 3 years and we are well past that. The company 's neglect to remove this debt is hurtful to my credit profile and ability to live with financial freedom. I would like the account removed immediately from all credit bureaus.
Product: Checking or savings account

I opened a Popular Bank checking account online over a month ago. I received a packet of information in the mail, including a questionnaire and a signature card along with a return envelope. I filled out the required paperwork in full and sent the envelope back. I waited a week and called Popular Bank to see if the paperwork had been received. On the call Popular Bank transferred me to the online account department. The person I spoke to in the online account department initially told me that she had received the paperwork and started reading information off of the paperwork, only to find that she was reading me private information from a third party and not information from my account. She then told me that she had not received my paperwork yet. I called three more times over the course of two weeks and each time I was put on hold for an extended period of time and was not able to reach an agent who can help me. On XX/XX/2018 I made a mobile deposit for a cashier 's check. I received an email from Popular Bank saying the deposit had been approved. I tried to login to my Popular Bank online banking and was locked out. I called the customer service number and was told that I needed to speak to the online account department. I was put on hold and nobody picked up, after 45 minutes I hung up. I called a branch and spoke with a supervisor who called the online department. The online department told him that my account was restricted for suspicious activity. They told him I would need to go into a branch. He then said " why did you open your account online? Why didn't you just open it in the branch ''? There has been no activity since the XXXX of this month. Today is XX/XX/XXXX. The branch supervisor told me I would need to talk to the online account department and transferred me.
Product: Debt collection

I was looking at my credit score on XX/XX/ and notice ( 2 ) Loans that where taken out to EDFINANCIAL SERVICES. One of the loans was for {$6000.00} and the other for {$3500.00}. The loans say date of last payment was XXXX XXXX I called ED financial services and all they could tell me is the loans where set up and they would forward me a fraud packet. ED Financial is a student loan service. I never pulled these loans or have ever been to a university. I take my credit very seriously as a own multiple business 's and something like this could very much negatively affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disappointed with these companies ways of investigating. On XX/XX/2023 I sent the creditors and bureaus a letter and all supporting documents that proved I am a victim of identity theft/fraud and that the accounts and inquiries that are reporting are incorrect an must be removed, deleted, blocked from all 3 of my credit files. I asked for the step by step procedure on how they were able to verify this information and both creditors and bureaus failed to do so. I will be forced to take legal action and I will be contacting the better business bureaus and the attorneys general if this matter isn't resolved asap. I will give you all one more chance to get it right and remove these fraud accounts that I am not liable for because I am a victim of fraud.
Product: Vehicle loan or lease

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX   XXXX  with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.
Product: Credit card

This is in reference to AMERICAN EXPRESS # XXXX that was recently charged off due to late payments. My grandmother was XXXX, her name is XXXX XXXX - due to her illness, I had not choice but to quit my job and take care of her. I am back on my feet now, I settled all my debt, but unfortunately I did it on bad terms that are now haunting my credit history. Please help me remove the derogatory items from my credit report as was promised to me by the representative from the charge off company that took my payment and promised that my credit will now be fixed and the derogatory item should no longer show up as late. I am a young professional, and it 's very difficult for me to get a job or one day get a house because everyone is looking at credit reports these days.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized accounts removed from my credit file. 
The fraudulent accounts in question are as follows : XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00} XXXX. XXXX XXXX XXXX XXXX Account : XXXX - Date : XX/XX/XXXX - Amount : {$78000.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$12000.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00}
Product: Credit card or prepaid card

I open a credit card with Kohl around in XX/XX/XXXX, they told me that they closed the account because I haven't use the card in 36 months, well that's was ok with me, but they also told me I can apply for a new one. So Saturday XX/XX/XXXX I was ordering some shoes online and apply for a credit card, and the response I got back from them is that I already have a open account, so I call them and they are telling me my account is closed, and I told them no it not because it showing in there data base that it's open. I ask them to send me a conformation letter stating it is closed and they refuse to do. They have my personal information floating around in there system, number one they did not sent me a letter saying they closed the account, and they still won't give me paper work confirming to me it closed. I believe something fraudulent is going on. I do have a copy of the screenshot they sent to me. I just want my account completely closed and I am no longer want a credit card from them or do any business with them.
Product: Student loan

I am submitting this complaint against Nelnet Financial Services Company, regarding my student loans reported on my Credit Report and Federal Student Aid account. I am submitting this complaint because I have been attempting to request documentation on my student loans from Nelnet since XX/XX/XXXX and it has been an unsuccessful process. I have contacted Nelnet via email and telephone multiple times in the last six months. However, I do not receive a response or the documentation I requested to possibly get this matter resolved. I have requested copies of the Parent Plus Loan documents, Student Loan Breakdown, XXXX, and transfer documents from my previous loan servicer. The reason for this complaint is to report Nelnet for reporting that I owe the " Parent Plus Loans '' that were granted to me in XXXX. Per the Federal Student Aid Website, it states " A Direct PLUS Loan made to a parent can not be transferred to the child. You, the parent borrower, are legally responsible for repaying the loan ''. As the child, I am not responsible for paying back the Parent Plus Loans, this information needs to be reported to my parent. I have requested this documentation from Federal Student Aid and my previous institution, XXXX University. I was advised to contact Nelnet for this documentation, which I have not received a response to any of my requests. I will be attaching copies of emails on my requests to Nelnet, emails from XXXX University and Federal Student Aid regarding the Parent Plus Loan.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Fur 10 ore, the ir di e resolutio ( 10 ) cess was rair and diceptive, as they dic comply with error resciution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.