23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

On XXXX XXXX, XXXX, I financed a used XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX. The cost of the car after negotiation was {$25000.00} ; I put down {$10000.00} which brought the car down to {$XXXX XXXX. The payments of {$340.00} for 48 months began of XXXX XXXX, XXXX with the final payment due on XXXX XXXX, XXXX. After receiving a solicitation from Pentagon Federal Credit Union for a refinance rate of 1.99 % I decided to take the promotion. I contacted PenFed and was told that they would payoff the loan for {$6900.00}. I received the check from of {$6900.00} from PenFed and endorsed it over to a loan officer at XXXX XXXX XXXX XXXX. Communication with a loan officer at PenFed was that the the new loan would be about {$200.00} maybe a little more for 24 months. I agreed to this loan amount and faxed an aceptance back. I never received any documents but received a coupon book and through an oversight on my part began making payments. It was not until I completed making 36 monthly payments that I realized I had been scammed. I could not locate any loan agreements and promptly notified PenFed. This is where my experience began with PenFed and my letter of XXXX XXXX, XXXX supports my actions. Instead of PenFed taking responsibility for this practice It escalated with fraudulent documents, checks and unbelievable deception. I have attached all communication, from me to PenFed and from PenFed to me. PenFed claims that I financed {$15000.00} with the XXXX XXXX XXXX XXXX, I then turned around and financed {$16000.00} with PenFed for the same XXXX XXXX XXXX. PenFed claims that a check for {$9200.00} was issued to me and placed into a share draft account. PenFed then states that the {$9200.00} was used to payoff the mercedes. PenFed then claims that XXXX and XXXX XXXX was issued a check for {$11000.00} and produced a promissory note to go with the others that were created. PenFed claims that the {$11000.00} was used to payoff a XXXX XXXX. This XXXX belongs to XXXX XXXX and was paid off in XXXX. PenFed trips themselves up by claiming that the {$11000.00} and the {$9200.00} XXXX went to payoff the XXXX XXXX. The payoff notices from XXXX of XXXX XXXX, XXXX and follow-up on XXXX XXXX, XXXX proves beyond a shadow of a doubt that XXXX and XXXX XXXX have been defrauded and scammed. In my complaint of XXXX we did not have these documents. These documents from XXXX Bank clearly refutes any claim that PenFed could possibly make. Since my complaint XXXX others have been found who have had similar experiences. None of their experiences are as blatant as the experience of XXXX and XXXX XXXX. I will give PenFed the opportunity to satisfy my damages in an expedited time-frame. All supporting documents have been attached. Thank you. XXXX XXXX XXXX
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.

Furthermore, their dispute resolution processwas unfair and deceptive, as they did notcomply with error resolution requirementsunder the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actionshave caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customerservice and unfair practices, which violatethe 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 proces was unfair 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: Payday loan

1 - I am being asked to pay XXXX a month that goes to XXXX of the principle for XXXX loan. I was not informed that XXXX was a fee each payout and that XXXX was interest each payment. I requested a freeze on my account and that I would make regular reasonable payments. To date no action was taken. 
2 - 10 days ago, following AdvancedFinancial Instructions, I revoked authorization from my checking account on XX/XX/2016. Today payment was withdrawn. ( Now I am a risk of not being able to pay my mortgage ). My bank is XXXX XXXX XXXX i am in Tennessee. What else can I do? I want to make manageable payments for a loan that was taken out during a tough time. I do n't want to declare bankruptcy and do not wish to close my bank account but am at a loss.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting

One of the issues I have is my mother 's name is coming up on my credit report as if it were mine. We have the same name however XXXX. She has been deceased for 5 years now, however it is showing up. 
Another issues, is there is tax lien information coming up and the status is showing as paid. 
And lastly, I have school loan companies that are showing up as accounts I have, however I 've consolidated my loans and now only XXXX provider is handling my case, but the original providers are showing up as accounts ( with no dollar amount ) I 've had and they never really handled my case. How can I get those accounts off, when I no longer have any ties with them. 
Any information you can offer, will be greatly appreciated.
Product: Student loan

On Friday XX/XX/XXXX ( the due date for my student loan ) I noticed that my student loan bill from Nelnet was still showing as due. In fact it showed that the payment was overdue and my new amount due by XX/XX/XXXX was {$1100.00}. Thinking I had somehow missed my payment I scheduled a payment to be made on XX/XX/XXXX. I thought I had made the payment previously, but I checked my account and could not see any pending payments or anywhere where I had scheduled the payment already. 

Then on XX/XX/XXXX I saw that two payments were being processed from my checking account. Apparently I had scheduled a payment for XX/XX/XXXX at the end of XX/XX/XXXX. Since the website did not show this payment I was induced to pay the student loan twice, wrongfully. 

I called Nelnet and asked them to reverse the second payment on my account. They refused. I asked them why they do not show scheduled payments. She had no answer and said I could file a complaint. I told her their website should clearly show to the consumer when they have already scheduled a payment. She said she would note that on my complaint form. 

It appears that Nelnet has purposefully set up their website to cause confusion. In fact one could argue their website is misleading. I truly thought I had missed my XX/XX/XXXX payment when I did not. They said they will apply the double payment to my XX/XX/XXXX statement. But that does not solve the problem. Their website should clearly show when payments have been previously scheduled. I do not get any benefit for paying my XX/XX/XXXX payment early. They seem only concerned about collecting the money. Nelnet does not seem concerned that their website is misleading.
This issue should be addressed since it is very simple fix. Nearly every company I do business with online shows your scheduled payments. There is no reason Nelnet does not do it. One can only assume that they are purposefully leaving this option off their website to mislead consumers into paying their accounts early through erroneous double payments. Luckily I had funds in my account to cover this double payment. But someone else who makes this mistake may not. 

I have contacted my bank and been told that the only thing I can do is dispute the ACH. By the time that dispute is done I will have to make the XX/XX/XXXX payment so I should just let the payment stay. 

Nevertheless, Nelnet should be made to address this complaint. Their website is misleading. They need to change their website so that consumers can easily tell when they have already made their payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts on my credit report that do not belong to me. I have recently reviewed my credit report from your agency and was dismayed to discover several accounts that appear to be the result of identity theft. These accounts have been reported under my name and have had a negative impact on my creditworthiness. 
Below are the details of the fraudulent accounts that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and I have never had any association with them. I believe my personal information has been compromised, leading to the misrepresentation of my identity. I have taken immediate steps to report this identity theft to law enforcement, and I have also contacted the affected financial institutions to inform them of the fraudulent activity.
Product: Credit card

Paid off total balance in full as calculated by lender and 1 month later received bill for additional interest accrued that was not included in their total account balance calculation. They said they do not apply interest to the account until the billing cycle is complete, even though interest is accruing daily. This makes it impossible to pay your debt off unless you pay more than the total balance and essentially wait for a refund of overpayment
Product: Debt collection

NATIONWIDERECOVERYSYSXXXXXXXXXXXXXXXXXXXX,TXXXXX(XXXX)XXXXIhavespokenwiththiscompanyonnumerousoccasionsaboutdebitthat,isnotowedorhasnovalidationeverysooften,theywill"refile''olddebtasnewdebt,(thisusuallyhappenseverysixmonthsorso.Ihavesentnumerouslettersaskingforvalidationofsaiddebtwithnoresponse,ihavealsodisputedthedebt,atwhichtimetheyrenewthedebtwithanewamount.TheoriginaldebtorisXXXXXXXXXXXXtheycurrentlyshow5debtsthati"owe'',andwhenIlookedthiscompanyupitstatesthatitisahospitalinanothercountythatIhaven'tbeentooinover7-10years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This uncertain account listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be verified ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX XXXX : {$19000.00}
Product: Credit reporting or other personal consumer reports

I am submitting this to formally request the deletion of my account with Account name, account number.If youre unable to perform and can not locate the necessary documentation proving I authorize the procurement of my credit reports, then I respectfully demand the immediate removal of the said account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021. I open a checking and Savings with Citizens Bank. I had {$220.00} in my account before the bank suddenly took {$170.00} from my account XX/XX/2021. Whichever left my account unable to cover my purchases so now my account is overdraft by {$82.00}. I called them, they said it was for a charged off account. I don't know how many years ago. But why allow me to open a new account, if I supposedly owe?? On an account that was closed down and charged off. I wasn't aware of this transaction by any means, my was just taking from account caused insufficient funds for other transactions I had. I believe Citizens bank stole my money.
Product: Debt collection

Dear CFPB I am writing to dispute two unauthorized hard inquiries on my XXXX credit report, which are violations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The companies responsible for these inquiries are : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX I did not provide permission or authorization for these companies to access my credit report. Under the FCRA, only authorized inquiries are permissible, and I request that these be removed from my credit report immediately.

Please take the necessary action to correct this violation.

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX for the amount {$330.00}. 
I have sent XXXX XXXX a debt validation letter and XXXX XXXX has not responded or removed themselves from any of the credit reporting bureaus. 
I have n knowledge of this debt nor XXXX XXXX.
Product: Debt collection

On XX/XX/year>, my employer notified me of garnishment proceedings for a 24-year-old judgment. My employer advised me to call the attorney on the letter for any information about the judgment. When I called the debtee, they stated they wanted the full {$1800.00} and would not release the garnishment judgment until the full amount was paid and if any info were needed I would have to contact the court which is in XXXX and I live in XXXX. I haven't lived in the state of XXXX in over 40 years.
Product: Credit reporting or other personal consumer reports

I contacted this company in regards to a Bankruptcy they are reporting on my consumer and Lexis Nexis report. This company stated that they verified the account with PACER! PACER is not a valid source of verification. I KNOW MY RIGHTS AS A CONSUMER! THIS COMPANY IS IN VIOLATION TO 15 USC 1681B AND 15 USC 1681C-2A! I HAVE NOT GIVEN THIS COMPANY ANY WRITTEN PERMISSION TO ACCESS MY PERSONAL INFORMATION! I ALSO PROVIDED PROOF TO THE COMPANY THAT THE US BANKRUPTCY VERIFIED THEY DO NOT SUPPLY ANY OF MY INFORMATION! TO THIS COMPANY OR ANY OTHER CONSUMER REPORTING AGENCY!
Product: Vehicle loan or lease

I have been in touch repeatedly with TD Auto Finance in an effort to take over my sister 's loan and obtain title to her vehicle so that I can sell it to the dealer. 
My sister passed away on XX/XX/2023 and left her car at the dealership. It's been sitting there ever since. They are interested in buying the car but require that it be titled in my name and are threatening to have the car towed and impounded. 

Once I obtained a death certificate ( XXXX  months after my sister 's passing ), I submitted it to TD Auto Finance and began discussions with them. They alleged that they would send me documents for a Transfer of Equity, so I can take over the loan and title, but nothing arrived. They have repeatedly promised and nothing happens. 

I've been talking with XXXX XXXX XXXX at TD Auto Finance. The number I have for his office is XXXX. 

I am distraught over the loss of my sister and further upset by how hard it's been to deal with her affairs. I could really use some help but don't know who to appeal to. I would greatly appreciate any assistance that the CFPB could provide me in this situation. 

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

In Accordance with The Fair Credit Reporting and XXXX Account Below Has Violated My Rights : 15 U.S.C. 1681 Section 602 A Right to Privacy : 15 U S C. 1681 section 604 a section 2 I also states a consumer reporting agency can not furnish an account without my written instructions XXXX : This account is not mine : XXXX XXXX XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX This account was paid off, should not be there : XXXX UNIVERSITY Potentially Negative Account Info Account Name XXXX UNIVERSITY Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$3100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$3100.00} I dont recognize these Hard Inquiries, I did not authorize, fraudulent : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Remove those Fraudulent Inquiries XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Transunion REMOVE THIS INFORMATION FROM MY CREDIT REPORT, FRAUDULENT INFORMATION. 
I DID NOT HAVE SOCIAL SECURITY WHEN THIS ACCOUNT WAS OPEN NEVER HAD XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote a letter to Santander disputing my DOFD. I have been disputing inaccurate information such as DOFD, Balance, amount due, and the age of this tradeline being over 7 years old from DOFD, as well as no investigation or attempt to correct data it is STILL reporting to the CRA 's. I received a letter from Santander on the XXXX of XX/XX/XXXX, stating the information was accurate and verified. I have also disuputed the information with the CRA 's directly, neither XXXX XXXX or XXXX have removed the inaccurate information and are STILL currently reporting inaccurate data which is blatant and inconsistent. I have filed a complaint with MA AGO on XX/XX/XXXX. 

My letter to Santander stated : Dear Santander Consumer USA, I am writing to dispute the following information that appears on my XXXX consumer report : Date of First Delinquency : XX/XX/XXXX. The XXXX credit report dated XX/XX/XXXX, and the Credit file dated XX/XX/XXXX are both reporting Date of First Delinquency as XX/XX/XXXX, this is inaccurate information. The Correct Date of XXXX XXXX is XX/XX/XXXX. On XX/XX/XXXX I became 31 days past due on my Retail Installment Sale Contract, this marks my Date of First Delinquency. My retail installment Sale Contract signed XX/XX/XXXX notes my first payment due of {$410.00} beginning XX/XX/XXXX and recurring monthly. I was delinquent on my first payment, not issuing payment on the agreed upon XX/XX/XXXX date, first payment was made XX/XX/XXXX. On XX/XX/XXXX I was issued a late payment fee of {$5.00}. I have enclosed my Transaction history, retail contract, and bank statement to verify that my Date of First Delinquency is XX/XX/XXXX. 
Also, I have confirmed my date of First Delinquency with XXXX, Employee ID XXXX in Loss & Recovery via a phone conversation on XX/XX/XXXX at XXXX ( duration of phone call 27 minutes ). XXXX Confirmed that on XX/XX/XXXX, my account was 31 days past due. 
I have attached a copy of my XXXX Credit file and credit summary, that contain the inaccurate information. 
I am requesting Santander Consumer USA report the true and accurate Date of First Delinquency of XX/XX/XXXX to XXXX XXXX, and XXXX 

... .. '' I was advised by a counselor at XXXX XXXX XXXX to choose one specific violation i.e. DOFD that was easily proven incorrect. 

I have tried to dispute this at the community level, and state level to no avail and I am hoping the CFPB will aide me in amy efforts to be free of this actively on-going harm I am caused by Santander Consumer USA.
Product: Mortgage

In 2006 my husband and I got scam in the sub prime loan scam the mortgage then was held by XXXX XXXX at the time I have been in this fight since 2006 trying to save my home, my husband was a veteran who bought this home as a fixer upper with his Gi loan he is now decease. They say that my home is up side down I have cased in all of my retirement fund trying to save my home the mortgage was at one point {$3000.00} dollars a month. I have been in this fight since 2006 Iam now with Sps servicing since last year it 's seems like they are not trying to help me get a modification me and my daughter and son have sent in every documents that has been required to be sent to them they come back to say that they do n't have all the information I have faxed I have sent it overnight that cost me money that I do n't always have Iam XXXX years old all the money that I ever had in my life is in my home. Iam now living on XXXX income I have worked XXXX jobs all my life me and my husband. All Iam asking for help and to be in the modification programs the mortgage is to. High. to keep and save my home. Thank any help would be appreciated
Product: Credit card

I have a XXXX family store credit card. I also have a XXXX credit card with Commenity Bank. I have a buckle account credit card with Commenity Bank. I have a XXXX credit card. I have not been late making my payments since Ive opened these cards. I probably honestly have been late a couple times, but have recently tried to get my credit Score back up well my credit score has went down due to XXXX cable saying that I owe them a certain amount of dollars because of my credit score going down. They have lowered my credit limit. Theres no reason at all that that shouldve happened now Im late and they have made feed on my account that shouldnt be there, I am not happy with this situation
Product: Mortgage

Since 2001, we have always paid the insurance and property taxes for our property outside of the our monthly payment to the mortgage company. We have never authorized and/or approved a servicer controlled escrow account for the purpose of paying property taxes and hazard insurance for the subject property. However, when Shellpoint became the servicer for the loan, an escrow account was set up and PITI was placed on the property, even though we already had insurance on the property a. To be clear, we NEVER authorized an escrow account and had assumed responsibility for payment property taxes and insurance outside of payments made towards satisfying the principal balance mortgage under the terms of our Deed of Trust.

Shellpoint has now increased the our monthly mortgage payments and claim that we owe an " Escrow Only '' payment of {$4000.00}. To be clear, when shellpoint place insurance on on our property, we already had insurance, so there were two insurance policies on the property at the same time as a result. Further, we have never had or authorized an escrow account. We do not believe that we should be responsible for payment of a duplicate policy, that we never authorized or had any knowledge of until after shellpoint had placed the policy on the property. 
I hired an attorney for the specific purposed of drafting and sending a letter to Shellpoint regarding this matter and in an attempt to resolve this matter. I have not yet retained an attorney for the purpose of filing suit against Shellpoint and this is my final attempt at resolving this matter before doing so.
Product: Credit card

KOHL 'S : Deceptive practice when calling for payment amount due as follows : When calling XXXX ( XX/XX/year> ) for payment amount, the reply stated : " your Kohl 's charge balance is {$33.00} ''... followed by " the amount due on Monday XX/XX/year> is {$29.00} ''. 

I set the amount to pay as {$29.00} but when the bill arrived via US Mail on XX/XX/year> : New Balance {$33.00} Payment Due Date XX/XX/year> Minimum Payment Due {$29.00} To Avoid Interest Charge Pay {$33.00}