23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

To whom it may concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file an urgent and distressing complaint against InstaLoan XXXX XXXX XXXX FL, concerning their predatory lending practices and the devastating loss of personal property, including cherished keepsakes of my late wife. 

In a period of financial hardship, I was coerced into taking out a title loan with InstaLoan to pay off an amount of {$2500.00} within 30 days. The terms were designed to exploit vulnerable borrowers, imposing an exorbitant {$300.00} reactivation fee every month if it can not be paid in full, rendering it virtually impossible to repay the loan on time. 

As fate would have it, I was unable to meet the stringent repayment schedule, leading to the repossession of my vehicle. But the anguish did not end there ; upon the repossession, InstaLoans tow service, who had possession of my vehicle for less than XXXX XXXX, took it upon themselves to clear it of my belongings. I recently became homeless so there were many things of value inside of it. It included work tools that have disappeared, {$300.00} sunglasses that I never received and keepsakes from my wife who passed away exactly a year prior. They gave me no time to come there and remove my belongings. 

Of utmost heartbreak is the loss of irreplaceable keepsakes that once belonged to my beloved wife, who XXXX XXXX XXXX. These cherished items held immense sentimental value and were an irreplaceable connection to her memory. It is nothing short of devastating to know that they have been carelessly destroyed, tossed into big black garbage bags without any regard for their significance. 

Furthermore, InstaLoan violated my rights by disposing of my personal property without proper notification or a reasonable opportunity to retrieve my belongings. I reached out within XXXX hours of the repossession, only to be met with the agonizing revelation that my keepsakes were already in black garbage bags. 

I implore the CFPB to investigate the predatory lending practices employed by InstaLoan, which led to my financial distress and the loss of my treasured belongings. This distressing experience has left an indelible impact on my emotional well-being, amplifying the grief of losing my wife and causing further hardship. 

I earnestly seek justice and restitution for the wrongful actions of InstaLoan, urging the CFPB to take decisive action to prevent such predatory practices from harming other vulnerable individuals in the future. 

Please, help bring attention to this disheartening situation and hold InstaLoan accountable for their egregious actions, ensuring that no one else has to endure such emotional suffering and property loss in the pursuit of fair treatment and justice. I am considering legal action as well. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Ive been a Citibank card holder since XXXX, CITI BANK recently reduced my credit limit by {$10000.00} specifically on XX/XX/XXXX without notice my credit limit was reduced by almost {$11000.00}. 
CITI BANK encouraged me to take to balance transfer loans the first in XX/XX/XXXX in the amount of {$11000.00} and the second in XX/XX/XXXX In the amount of {$9800.00} both of these will become due at a very high interest rate in XX/XX/XXXX and XX/XX/XXXX respectively. 

I believe CITI BANK reduced my credit limit by over {$10000.00} in an effort to have me pay them back for these two balance transfer loans at an extremely high interest-rate which I will not be able to even come close to making the payments. 
CITI BANK knowingly destroyed my credit rating and reduced my ability to borrow in this effort to obtain Debt at interest rates probably in excessive 28 % I have tried to refinance my home of which I have approximately {$400000.00} equity and have been unable to secure a loan due to the fact I am a XXXX senior on a fixed income. 
CITI BANK as put me in a position where I will have no other choice but to file bankruptcy and have this credit card debt dismissed or set aside. 

I say this was done knowingly by CITI BANK due to the fact that it is printed on the credit card statement that it would take me 32 years making the minimum payment with the second option of paying {$760.00} a month for three years in order to XXXX  out this debt. At XXXX years old,  XXXX and on a fixed income neither option is feasible. 
Im not sure what other options I have if any sort of bankruptcy to pay down this debt? 

I have attached the three months of statements to show when the credit limit reduction and options to pay as outlined above. 

Thank You, XXXX XXXX XXXX California. 
( XXXX ) XXXX --
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported to all 3 major bearus that I had a late payment. I have contacted them directly and all three bearus separately in regards to being involved in a Natural Disaster Hurricane Irma who put me without work for two weeks due to no power and distruction. I have submitted disbute within the creditor itself and also XXXX, XXXX, and Equifax. No one is resolving the issue.
Product: Money transfer, virtual currency, or money service

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX XXXX XXXX # 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16811s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

My bank was bought by BBVA USA and recently merged within the last week and I have been unable to access my accounts or get ahold of any customer service.
Product: Credit card or prepaid card

On XX/XX/2022 I mailed Capital One a certified letter via the XXXX, which they received on XX/XX/2022. In the letter ( attached here ) I made Capital One aware that I did NOT agree with the amount of the alleged debt Capital One reported to consumer reporting agencies. I requested the documentation showing where the debt originated, how the debt was calculated, and any other documentation that proved their claim is valid for account # XXXX. My request is pursuant to 15 usc 1692g ( a ). I still have not received any response from Capital One nor any of the documentation I requested to prove their claim is valid.
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 account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1800.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXXXXXX Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$790.00} ; XXXX XXXXXXXX Balance Owed : {$2000.00}.
Product: Debt collection

Im contacting CFPD to notify you that I feel I have been defrauded from the Renovate America Heros Pace Program. I recently had a roof installed and the contractor did a nice job. However, I have not received any communications from the Renovate America Pace Loan program. No calls, no mail, no email, no statements, nothing. When I called to inquire about this, I was told that Renovate America Heros Pace loans have filed for bankruptcy and have sold off my original loan. When I called the new company that has now has my loan, the new company has completely changed the terms of the loan I had originally signed with Renovate America. I was then told by my local county that Renovate America filed a tax assessment against my home but now since they are out of business, the new loan service, has changed the terms without my permission. Lastly no notice of completion was filed with my local county tax office. RenovateAmerica also failed to record loan docs at the county level so my county officials have no idea why I have this huge tax assessment on my tax bill. The county tax office gave me a phone number to call but the phone number was for Renovate America and was a non working number.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXX  date opened XX/XX/XXXX {$180.00} XXXX XXXX XXXX date opened XX/XX/XXXX {$140.00} XXXX XXXX date opened XX/XX/XXXX {$310.00} The XXXX XXXX XXXX date opened XX/XX/XXXX {$670.00} inquiries XXXX XXXX  XXXX XXXX XX/XX/XXXX 2024
Product: Mortgage

My HELOC has been paid in full Td bank charged thousands of dollars in fees, which are not justified and they refused to allow me to dispute any of them. 

So I went to the local branch with a letter in hand from TD stating what I owed. The bank assistant called collections and he said pay this amount ( on letter ) and we will send " satisfaction of mortgage '' so I paid with the intention to dispute later. No I paidXX/XX/XXXX and instead of " satisfaction of mortgage '' got another drive by, foreclosure letter and {$300.00} plus in more fees. This was on XX/XX/19. Unbeleivable. The local branch called collections ( XXXX XXXX ) was no help. As I write this I am still being harassed by more drivebys and fees, costs and threatening letters. Please help. I dont know what to do. 
This is a Riverside Heloc. 













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

I am wondering if is it really that hard for the Credit Bureaus to PROPERLY verify the items that I have been disputing from XX/XX/XXXX to XX/XX/XXXX or it's just that the Credit Bureaus are lazy to not investigate at all. The Credit Reporting Agencies are required to remove any accounts and information that resulted from the Identity theft and was included in in an ID THEFT REPORT, but I see here that the Credit Bureaus have done nothing. I am disappointed by this action by the Credit Bureaus. How many letters do I have to send to the Credit Bureaus so that they pay attention to my appeals? Or are they just really lazy to take action and correct my Credit report. I am submitting this complaint to re-dispute the items which I previously disputed through the letters I sent and the complaints I submitted. Delete the following items immediately : 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: Money transfer, virtual currency, or money service

I opened a XXXX XXXX XXXX account and savings account online on XX/XX/2021. As soon as I opened it it gave me the option to fund my bank accounts via direct deposit from my current bank. I direct deposited {$2000.00} into my XXXX checking account and {$20000.00} into my XXXX savings account from my current bank, XXXX. It left my XXXX account on XX/XX/2021. I received the funds in my XXXX account on XX/XX/2021 and was able to see it in my XXXX mobile banking app. On the same day I received it, that night I received an email that my XXXX account is locked and to visit a branch. I visited a XXXX branch on XX/XX/2021 and they unlocked my account. My {$2000.00} deposit was in my XXXX checking account, but my {$20000.00} was gone from my XXXX savings account. They told me that I would see it back in my account later that day. It never came back. The next day on XX/XX/2021, I returned to the XXXX branch and they told me that XXXX  reversed the {$20000.00} deposit and it should be back in my Santander in 3 business days. I waited 5 business days and I still never received the {$20000.00} back in my XXXX account. I went back to XXXX bank on XX/XX/2021. XXXX said they didnt have the funds because it was sent back. They had me call XXXX and XXXX said they hadnt received any funds from XXXX. Then XXXX said they would have to call Fiserv, which they explained to me as the middle man between the two banks. I came back later that day to the same XXXX branch and was told that someone at Fiserv was assigned to find my {$20000.00} and a claim had been made. I was told I would hear back from them the following Monday. I never heard from anyone. I went back to the XXXX branch on XX/XX/2021 and they had me file a claim with XXXX bank. It is now XX/XX/2021 and I havent heard from either bank about where my {$20000.00} is.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, XXXX. ) ( D to XXXX XXXX XXXX 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. 
Furthermore, their dispute resolution process XXXX was untair and deceptive, as they did not & comply with error resolution 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name reads : IQ Data International In Account is showing XXXX as opened Amount is {$5100.00} Called them to have error removed from my credit report and was refused for payment collection.
Product: Vehicle loan or lease

Hi there, I purchased a XXXX XXXX XXXX from a used care dealer here in XXXX florida, They got me financed through a company by the name of Westlake Financial with a ridiculous Interest rate but I didn't care as I planned to pay the car off within the first year. Well that didn't happen because the place that sold me the car sold me a car which they swore up and down didn't have any issues with it at all and come to find out within 2 months I had to spend {$4500.00} dollars on a new/used transmission , Drive Shaft, And a bunch of other things that were wrong with the car so the money I had put aside to pay off the car went out the window. 


I kept up with payments and I fixed the car and got it to where I wouldn't have any issues with it for a long time. A few weeks after getting the car back I had it parked outside of a restaurant in downtown XXXX where a young drunk driver ran a red light and couldn't make the turn which in result ended up with my car getting totaled. 

This happen on XXXX XXXX, I was XXXX but the girl had full coverage insurance and I knew I had gap coverage so I wasn't worried about the car getting paid off and then I could get something else within a little bit of time after I saved up for another down payment. 

I notified my auto load company of what had happen and made sure they were aware, I was told by them I was not responsible for any payments after the date of loss which was on XX/XX/XXXX after about 3 weeks I went to meet with the girls insurance company to get my settlement check taken care of, They paid out {$5800.00} roughly towars the load amount which was for about {$7300.00} total at this point. The gap coverage paid about another {$1400.00} something dollars towards the loan which left me with almost nothing as a balance. 

Well comes to find out once the gap and everything got taken care of they told me that I owed them for XXXX, XXXX, XXXX for the payments I missed, I explained to them I was not going to pay for payments on a car I no longer had and that was deemed a total loss by the insurer of the person who wrecked into my car, Not to mention they already had a {$5800.00} check from the person insurer already at this point and they were waiting for the gap which was in house and they were also getting the {$1400.00} something dollar check from that to cover the loan amount, which left me a balance of like {$300.00} which I was prepared to pay if they would close my account and remove these bogus late fee payments which were reported to my credit. they refused and have been reporting me every month again and again and ruining my credit. They got {$7100.00} roughly of a {$7500.00} loan for a car that was worth way less than that and yet they are still trying to scam me out of more money. 


This is not a fare practice and they should be investigated, The next complain I will be making is going to be the Florida State Attorney General on this company. 


My credit score went from a XXXX to less than a 450 all because they are trying to scam me for more money. Please I need help resolving this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items on my credit report due to fraud and i have reach out to all three credit bureaus with absolutely no response. not one has even investigated the issue or tried to assist me in any way.
Product: Credit card

Capital One is reporting my business credit card as being 30 days past due to the Credit Bureaus for a mistake made after I closed a personal credit card account held with them which was paid off. Evidence shows that I was enrolled in their Auto-pay system to avoid late payments. My Auto-pay profile was cancelled by Capital One for the wrong account which caused my account to go past 30 days and evidence shows my payments were being made on-time until the mistake was made but they are refusing to correct their mistake. There was no reason for me to personally cancel my Auto-pay profile.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX, nc XXXX XXXX XXXX XXXX XX/XX/year> Experian Information Solutions Inc . 
XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Account XXXX - Report # XXXX. 


Dear Experian, This letter is to formally dispute the accuracy of the following information appearing on my credit report : Account Name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Date of Last Activity : na Type of Account : Credit Card Specific Item in Dispute : Account Status Incorrectly Listed as 'Charged Off and Balance Amount Incorrect Reason for Dispute : No doc or signed agreement with XXXX XXXXXXXX XXXX XXXX Account number XXXX Balance Amount : " The balance amount is incorrect. 

I request that you investigate this matter promptly and update my credit report accordingly. Please provide me with written confirmation of the outcome of your investigation within the timeframe required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

There are two XXXX XXXX accounts that has been opened in collections with LVNV Funding, since XXXX. It's showing on my credit file that the two accounts with the collection debt LVNV Funding ( XXXX XXXX ) will be removed in XX/XX/XXXX. When it was previously supposed to be removed in XXXX of XXXX, 7 years after the original date. XX/XX/XXXX will make 8 years these two accounts been in collections on my credit report. I am requesting for these accounts to be removed off my credit report with all three bureaus.