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

On XX/XX/21, I did a consumer credit transaction with XXXX XXXX XXXX dealership and extended my credit with a finance charge through American Credit Acceptance. Im the original creditor extending my credit using my credit card ( SSN Card ) pursuant to 15 USC 1602 ( L ) but the creditor fraudulently financed me a car through this process. Pursuant to 15 USC 1605 ( a ) the finance charge which should have been included within my credit transaction, should be the sum of all charges. According to my calculations, the total of the finance charge should be {$4300.00}. I was never given copy of my XXXX XXXX XXXX XXXX. I only have the cash price of XXXX, with GAP insurance {$1100.00}, tax {$1300.00}, that the dealership gave me in the amount of {$19.00}, 670.00, plus {$15.00} title fee, registration fee {$20.00}, minus down payment of {$3700.00}, with a balance due of {$17.00}, XXXX. See exhibit A from the dealership and copy of my welcome letter as Exhibit B from the American Credit Acceptance, that the charges are {$15.00}, XXXX above the lawful sum of all charges of {$4300.00}. This completely inaccurate and unfair credit card practice that undeniably goes against this sub chapter of the TILA ( Truth In Lending Act ). The finance charge section is completely not stated on my original paperwork and according to USC 1605 ( a ) ( 5 ), this is fraud and this contract is now void.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date : XX/XX/XXXXXXXX  To : XXXX Victoria 's Secret XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charged-Off Account Account # XXXX Dear Sir or Madam, I am writing to formally dispute the reporting of the above-referenced account on my credit report. My name is XXXX XXXX, my date of birth is XX/XX/XXXX, and my address is XXXX XXXX XXXX XXXX, OH XXXX. 
According to my credit report, this account was opened in XX/XX/XXXX and the last activity occurred in XX/XX/XXXX. Given that this account is now several years old and has been transferred or sold, I am requesting a thorough investigation into its reporting accuracy and compliance with federal and state regulations. 
The age of this account and its current status raise concerns about its accuracy and relevance. I am requesting verification of the information being reported. If this account is found to be unverifiable, incomplete, or inaccurate, I kindly ask that it be removed from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 
I have attached a copy of my credit report highlighting the account in question, along with a copy of my identification and proof of address to facilitate your investigation. 
Please provide me with the results of your investigation, including any documentation or records used to verify this account. If sufficient verification can not be provided, I respectfully request the immediate removal of this account from my credit file. 
Thank you for your attention to this matter. I look forward to your response within the 30-day period stipulated by the FCRA. Should you have any questions, feel free to contact me at XXXX. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/25 I was received notifications saying I got a late payment from a credit building company called Kovo. I had a subscription with them but which I positively thought I cancelled but they say I didnt, It was so hard trying to get in contact with them and I asked to speak with a manager but the only way you can communicate is through email so no manager ever contacted me and that late payment is still on my report and want that account cancelled
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet reports my account as 120 days delinquent in XXXX and XX/XX/XXXX ; and 90 days delinquent in XXXX and XXXX in XXXX to the three major credit reporting agencies. This account has been in a deferred/forbearance state since its inception due to my inability to pay. I have never been required to make a payment on this account because of this status. I contacted the servicer directly in XXXX, XXXX and XXXX to correct this error, however the inaccurate information has not been removed. Additionally, my credit history has been negatively impacted.
Product: Credit card

I had a messaging conversation today, XX/XX/XXXX, with an associate through PayPal 's Credit site regarding misapplication of my payments. I made some purchases of airline tickets and associated charges with XXXX XXXX in XXXX of 2023 with a XXXX-months same as cash financing agreement. I made large payments, some when no payments were due, in XXXX and XXXX and, to my expectation, had paid the balances off. Now, I login in XXXX and see that those balances are not only paid off but suddenly coming due in less than a month. I contacted the company through instant messaging to ask why my payments had not been applied to my special financing and was told in order for payments to be applied to my balances I would need to call them over the phone every time I made a payment. This blows my mind. XXXX XXXX, whose business is tools and hardware and NOT payment systems and transfers and credit, like PayPal, has a system clearly posted and explained on how to easily designate payments to special financing purchases, but PayPal whose entire business is credit and payments and transfers is saying people need to make phone calls?! This feels like a scam to prevent people from paying off special financing so they can get the total amount of interest. 

Not only this, but I told the associate I wanted to lodge a formal complaint and asked her for directions on how to do so. I was first told, after an ask to their manager, that I could not and that the associate would pass my complaint along to their manager. How do I know, as a consumer, that my LEGITIMATE complaint and discontent on how PP is attempting to do sketchy business for their own profit, is going to be formally passed along the formal, legal, resolution and reporting lines and not just shrugged off between a manager and associate that I am " XXXX XXXX XXXX '' ruining their morning? 

So, after more information is passed between us, including that she can not apply any of the large payments made to the special financing because I missed the XXXX day deadline, I ask again how to submit a formal complaint. Another ask to the manager later and I am given a MAILING ADDRESS and FAX NUMBER! We are in a digital society where everything is done online. Not giving consumers an easily accessible avenue to lodge a complaint is, again, another way for this large corporation to take advantage of consumers in the hopes of making a complaint a hassle so most people will give up. 

I told the associate 'nevermind ' because while she was again checking with her manager ( on a topic that should never have to be escalated to a manager in a customer service department ), I thought I had found directions online ( attached ) on how to submit a complaint online. Only after the fact did I realize that the directions and the linked word " Complaints '' do not take you to a complaint form as it describes and there is NO WAY on the site, whether logged in or not, to actually submit a complaint. XXXX. XXXX XXXX  XXXX XXXX, you are a XXXX  and XXXX. I was previously a big fan and now I am angry with your treatment of the little guy. You are despicable for taking advantage of people in such a way.
Product: Checking or savings account

Did a XXXX grocery order to pick up. Done many prior and never had this issue before. Usually they do a pre auth then after I pick up order the pre auth becomes the charge. No issues. Well yesterday XX/XX/2022 i did an order and I used paypal to pay because I did not have my debit card on me. My payment type was still using my bank debit card. Pre ath showed on account like usual. Went picked up items didnt think anything of it until I get a bake alert for overdrawn account. Turns out paypal charged my debit card without releasing the pre auth. So now I'm overdrawn and have no way to get any money for gas etc ... instead of the XXXX I had for groceries I am getting charged XXXX. I never was informed that I need to have double the purchase amount in my account to cover the pre auth? Called bank and they said paypal has a hold on the XXXX pre auth until XX/XX/XXXX. So XXXX  days in the negetive with other small XXXX purchases etc already coming out. Im gon na have massive overdraft fees on top of not able to go to work or appointments because I was counting on the remaining XXXX in my account to cover me. Trued contacting paypal but its a joke to actually get a response without XXXX hour wait. How come the pre auth doesn't remove after purchase. There us no reason for it!!! I swear paypal does these things to earn interest off other peoples money.
Product: Checking or savings account

On XX/XX/18 I tried to make a weekly payment using XXXX with my Fifth Third Checking Account. I received an error saying for security reason, we can not make the payment. 

I called Fifth Third, and they were deceptive saying it's because I changed a phone number on the account. ( I just removed my work number from my account profile ) And because of that, I can not use this account for 30 days. 

I then requested to speak to a supervisor, and she said the same thing ( more deception ). As my frustrations mounted, she admitted that it's because I'm a payment behind on a credit card that I have with Fifth Third, which is beyond abusive. 

I can't believe they can do this legally. Especially not being transparent and telling me truth of matter.
Product: Credit reporting or other personal consumer reports

I submitted police reports and all of the required documents to transunion in relation to identity theft. Transunion did not investigate or remove the items correctly after they gave the companies 30 days and the companies did not respond
Product: Debt collection

That was XXXX insurance. Which they sent me letter says I owe them nothing. So i stopped paying my monthly payment, and I moved out from the town for health issues. Then I found collection couple month after has my information says I owe XXXX money! I called XXXX and said you guys said I owe you nothing and I was always on time payments, so what the problem, they said after reviewing some details you still owe us {$400.00}, I said there is no problem, I provided my card and paid what they said, and I told them why you sent file to collections they said we sent you letter you owe us money, and there was no response. I said its not my problem, or my mistake because I moved due to mandatory. And I dont really deserve that because why would I skip {$400.00}!! Ive been paying more than that. So they said okay we will inform the collector to remove this from file since you paid it off.

Been a year! Im trying to contact the 3 bureas and none of them responding with one email.

I got desperate and decided to report that. 
XXXX it self sent them to remove collection as at least its paid over a year. But that company wont follow. Please help me to take this off.
Product: Checking or savings account

This complaint pertains to a string of fraudulent ATM withdrawals from my Chase College Checking Account, using stolen information from my debit card. 

Originally, I had received a text form Chase indicating fraudulent activity on my account. I texted back saying I had not withdrawn any money, and they said they would send me a new card, which I never got. Someone had compromised my account and changed my home address and contact information, so the replacement card was sent to an address in Florida without my knowing. This can be seen in the address field of the XX/XX/2020 bank statement attached ( home address at the time was in XXXX, CO ; you can see the address changed between XXXX and XXXX ). 

I then experienced a number of withdrawals from my account from various ATMs around Florida, totaling upwards of {$7000.00} all without me knowing. I found out when I eventually checked my statements. 

I raised a complaint to Chase, who came back and said my card with chip had been used, so they had no way to prove I was not the one who made the withdrawal, even though one of the withdrawals was at a Chase bank branch. I appealed the decision with additional supporting documentation from my employer ( attached badge scan information, I also offered to provide further proof of location ) to prove I was nowhere near Florida at the time of any of the withdrawals. This appeal was denied as well for the same reasons. I finally raised a third complaint in person at Chase, and they treated it as an " escalation, '' also to no avail. This has been a very frustrating experience that has taken many hours of my personal time to contest. 

I believe this case was treated without serious investigation and without urgency, and it goes against Chase 's customer protection policies. Additionally, this problem was a failing of their security systems, and there has been no acknowledgement of this. This money was stolen while in graduate school and made a big difference in my life.
Product: Mortgage

PennyMac has foreclosure on my house XXXX XXXX after I made several attempts to bring account to date. I received no court papers of foreclosure just phone calls. PennyMac is the servicer and not the owner. Please advise. On XXXX XXXX my daughter sent a wire transfer to PennyMac for {$14000.00} they kept saying they never receive the funds but XXXX XXXX said they did it was several conversations back and forth so they said the funds when somewhere else. I got the correct information my daughter sent another wire transfer from XXXX XXXX they stated they never received the payment. I didnt understand that because my daughter did a {$16000.00}. Wire transfer to PennyMac XXXX of XXXX and they receive the money. PennyMac also had a lien on the house {$37000.00} which was paid you can see on the monthly statement but they still put {$30000.00} like the lien wasnt paid add the balance of the house up more the balance is incorrect. PennyMac abuse there power and took advantage of the situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally acknowledge the collection of the debt associated with my account, which was referenced in your initial communication dated [ Date of First Communication ]. Please consider this letter as my request for validation of the debt as specified under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act. 

In compliance with the law, I request the following information to verify the debt : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A statement that I have the right to dispute the debt within 30 days. 
A notice that, if I dispute the debt, you are required to provide verification of the debt. 
If you do not provide this information within 30 days of receiving this letter, I will consider the debt to be invalid. 

Thank you for your prompt attention to this matter
Product: Mortgage

I have submitted the signed weekly payment enrollment plan on XX/XX/year> and requested the bank to start the weekly plan from XX/XX/XXXX. 

But when I called on XX/XX/XXXX to get an update, I was then told that I also need to make XXXX full month early payment ( in this case full payment for XXXX ) and give the bank at least 10 days notification. I requested them to complete the payment for XXXX manually by XX/XX/XXXX and enroll me in the weekly payment plan. 

On XX/XX/XXXX, I called them again to get an update. Then I was told that they are not seeing the early payment for XXXX yet as it has not posted yet even though my checking account was debited. Customer service assured me that the weekly payment will start from XXXX XXXX and they do not need any other documentation. 

On XX/XX/XXXX, I called in again and then I got to know the payment plan has not been set up yet and they can only start the weekly payment from XX/XX/XXXX only if I pre pay my mortgage for XXXX and give them a new enrollment form 10 days prior to the payment start date.
Product: Payday loan, title loan, or personal loan

At The End Of XX/XX/2019 I Applied For A Loan From A Company Called Zoca Loans Because I Was Behind On Bills & Needed To Catch Up. 
I Recieved The Amount Of {$550.00} .I Was To Make 12 Payments Of {$130.00} To Pay Off The Loan! I Double Checked My Payment Schedule & Discovered They Were Charging Me {$1100.00} In Interest! Which Meant That I Was Paying Roughly Triple What I Borrowed! In XXXX I Called Them & Asked If I Could Skip 1 Payment Because Once Again I Was Behind On My Bills They Told Me I Could But That My Next Payment Would Be {$230.00} To Make Up For Missing The 1 Payment! I Told Them To Just Forget It & The Payment Out As Usual But They Didn't & After I Thought I Had Paid The Loan Off I Received An Email Saying I Still Owed {$900.00} Because I Missed A Payment & Had Accrued Interest! I Called Them To Get It Straightened Out & They Said They Could Clear The Debt If I Paid {$350.00} So I Complied! But All Totaled I Ended Up Paying {$1800.00} {$550.00}! On One Hand I'm Glad I'm Done With Them & I Will Never Get A Loan From Them Again In The Future But On The Other Hand I Feel Their Lending Tactics & Interest Rates Are Predatory & I Should Not Have Had To Pay That Much! I Also Have Been Receiving Loan Offers From Other Companies Via Text Messages So I'm Pretty Sure They Have Given My Information Out To Other Loan Companies!
Product: Mortgage

The loan was all set to close. On XX/XX/2021, we received an email from XXXX XXXX of Member First Mortgage, regarding the closing disclosure which included a fee of {$33.00} for an employment verification. We request information on this transaction and received no response from XXXX XXXX We had submitted check stubs up to the finial time of the closing, which the employers name and phone number was available. Please review the receipt from the XXXX  XXXX XXXX  order by XXXX XXXX of Members First Mortgage. If XXXX wanted to verify employment she could have contacted the employer or addressed in concerns with my husband. At one time she was questioning the hours he worked being shorten. He hauls gasoline which the pandemic we are going through all over the world caused his company to shut down this year, as well as reduce the number of work hours for all drivers in the company. We have asked everyone about this charge no one seems to know why the charged is placed on us or should it be the responsibility of Members First Mortgage? Members First Mortgage would not provide us with the attached receipt we had to obtain it from another source.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX The above property was built by XXXX XXXX in XXXX in XXXX XXXX XXXX XXXX sale was transacted in XXXX XXXX then re-sold to a XXXX owner in XXXX XXXX. After 6 years, sink-holes appeared around the property causing the owner to vacate and foreclosure commenced in XXXX XXXX. 
I unknowingly transacted the XXXX sale of said property in XXXX XXXX. The property was appraised and inspected by XXXX XXXX XXXX and there were no sightings of sink-holes. 7 years later in XXXX, I have encountered the sink-holes appearance at the sides and rear of the property. The listing agent, XXXX XXXX XXXX XXXX, XXXX and/or Suntrust Mortgage Bank, failed to disclose this problem before the property was sold. They were the companies involved in listing and preparing it for resale. 
XXXX XXXX XXXX ( homeowner policy ) sent an engineer to analyze the problem. It was determined that the property was built on a trash pit which has decomposed causing an XXXX horizontal hollowness below the slap. The right rear of the building is presently XXXX '' lower and the left rear is XXXX '' lower from the original dimensions. There were no sewage leaks. Kitchen tiles are cracked and using the back door is hazardous because one XXXX step out into a sink hole. The rear right corner of the building is supported by air ; piers were omitted during construction so gravity is in process on the structure. Decomposing waste is buried under my home! It is affecting the structure but what about contaminating my health! 
My neighbor next door, XXXX XXXX, one of the first residents to occupy a home in the sub-division, witnessed the dumping of trash on my property during construction and also saw large openings in the ground during the residency of the XXXX owner. 
XXXX XXXX XXXX denies this claim. I was informed that policy coverage is for structural damage only not soil. I am retired ; did not foresee this calamity, and must make the costly repairs. Absence of costly repairs will terminate insurance coverage and I will have to vacate. 
This is unfair business practice. Due diligence should be a requirement for businesses. 
Please advise me what steps to take to safeguard my asset and be compensated for the costly repairs. 
I would appreciate your help. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not apply with this companies : 1. XXXX XXXX XXXX, PR XXXX ( XXXX ) XXXX Date : XX/XX/XXXX 2.XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 4.XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 5.XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX 6. XXXX Inquiry from XX/XX/XXXX - Misc. 
This inquiry could stay on your report untilXX/XX/XXXX. 

Institution Information XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 7.XXXX Inquiry from XX/XX/XXXX - Bank This inquiry could stay on your report untilXX/XX/XXXX. 

Institution Information XXXX XXXX, OH XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$1800.00} ; XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$9600.00} ; XXXX  XXXX Balance XXXX : {$16000.00} ; XXXX XXXX  XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  continue to furnish information on the report. Continue to request documentation, however, the company failed to comply according to FCRA, IF company failed to verify request please remove tradeline off the credit report.
Product: Money transfer, virtual currency, or money service

Hi, I sent a domestic wire of {$7500.00} to Coinbase on XX/XX/XXXX. I have yet to receive the funds, nor have I received any estimate on when my funds would be available. Coinbase 's bank, XXXX XXXX, has confirmed receipt of my {$7500.00} on XX/XX/XXXX. I've called four times, opened four support tickets, and I've gotten the same " in 5-7 business days '' response since Day 3. 

Thanks, XXXX