23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have my student loan through Great Lakes. I pay my normal monthly payment via Auto Pay on the XXXX of each month, which is the due date. I supposedly receive .XXXX % off of my interest for being enrolled in Auto Pay. I also make additional payments of between $ XXXX {$200.00} at the end of each month via the website. There is a feature that allows me to allocate which loan I want the extra payment to go to. Of course, I always choose it to be XXXX % allocated to the loan with both the highest balance and highest interest rate. I recently discovered that it has never actually been allocated that way, contrary to what I believed. 

I sent in XXXX emails over the last week inquiring about this, and when I finally heard back all I received was a FAQ answer about how extra payments are applied ( which I already knew, and which was not being applied as it said it was supposed to be ). I called and spoke to someone for XXXX minutes today. He explained to me that my Auto Pay is set up to make payments on the XXXX of the month, which is my due date. Thus, the extra payments I make at the end of the month are not considered to be extra, but instead considered to be my normal payment. As such, they can not be allocated to specific loans. 

The gentleman then went on to tell me that I will have to change the date of my Auto Pay via the website ( he said he was not able to help me with that over the phone ) to be earlier in the pay cycle so that my extra payments could actually be considered extra payments. I went online to change it, and the website states it only allows Auto Payments to be processed on the due date and not any earlier. 

Now I 'm stuck between paying all of this extra money every month just to have it only go towards the interest on XXXX different loans, or canceling my Auto Pay and having my interest rates bumped up. I believe this is totally and completely unethical, and I think this company should be investigated for fraudulent and unethical business practices. They make it absolutely impossible to make any headway with getting these loans paid off! I pay almost {$400.00} per month, and the outstanding balance only decreases about $ XXXX {$40.00} every month! Help!!!
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, and I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXX  199XXXX
Product: Vehicle loan or lease

I purchased this vehicle new in XXXX of 2013. The vehicle was supposed to be around {$31000.00} plus negative equity from my trade-in. I have paid Chrysler Capital over {$58000.00} towards this vehicle. My payments are just under {$800.00} per month. This is something that should have never been given to me because of my debt to income ratio. I have struggled to pay for this vehicle the entire time that I have owned it, yet I have still managed to pay over {$58000.00} during the last 8 years. Nearly {$35000.00} has gone towards the interest. I have never been able to refinance this loan because of Chrysler Capital 's high-interest rate of 18 % keeping me from getting any of the principal paid down on the car. I am sitting here with a pay-off balance over {$11000.00} still, with a car that is only worth a fraction of that. I have tried multiple times to get out of this loan. I have begged Chrysler capital to help me out, but they have only ever done a loan modification or a payment deferral, which caused me to pay much more interest than I should have. Chrysler Capital has too many unfair lending practices for sub-prime borrowers and they need to help people the right way and be an honest company. They have received enough of my money already.
Product: Debt collection

I received a demand letter on XX/XX/2021( all doc attached ) stating I owed {$2100.00} for File # XXXX, acct # ending XXXX. I paid {$150.00} XXXX proof of pymts also attached XXXX. Then the next letter XXXX rec 'd 8 days later said the same file # and acct # now had a balance of {$1200.00}. They either are fraudulent or completely incompetent, but I kept paying based on the last letter. I paid on XX/XX/XXXX, {$150.00} and just paid on XX/XX/XXXX, another {$150.00}. Then today I get a thing in the mail showing the court is notified I defaulted on an agreement to pay. I agreed to pay but will not make another payment until this company agrees that all is owed now is the following, based on their last letter and the pymts made since : Letter sent on 2/17/21 stated amt owed is {$1200.00} Pymt of {$150.00} on XX/XX/XXXX Pymt of {$150.00} on XX/XX/21Pymt of {$150.00} on XX/XX/21That leaves a total owed of {$790.00} Any amount over that can not be trusted as this company sent XXXX completely different amts within 8 days of each other so I will take the lower amount, which is the last letter they sent me. I will also be sending all of this info to the court as well.
Product: Credit card

My XXXX-year old daughter received a credit card marketing offer in the mail from American Express. I checked with the XXXX credit bureaus and there has been no inquiries ( soft or hard ) registered. I had added my daughter to an existing credit card as an authorized user earlier this year for emergency use when she had to travel for school and this authorize user card does show on the credit report, but no evidence of inquiries or ID theft. I contacted American Express at the XXXX # on the letter that was received which was XXXX. They were unable to assist nor able to get a supervisor on the phone to answer how a XXXX-year old was marketed to. I was then given the option to call XXXX, which appears to be a fraud hotline of some type, but they also were unable to assist and stated they only approve or decline application requests. I was then asked to call XXXX, which was supposed to be a complaint group, but ended up being a marketing line for new cards. I then decided to call the office of the president of American Express in NY. In speaking with the executive admin, they would not take any calls only requests that had to be made via email or snail mail. This is not how consumers should be treated when dealing with credit and marketing offers to a minor child and any marketing offers going out the credit companies should absolutely know their target persons are of legal age to contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights are really being violated. I disputed a collection acount on my report about its inaccuracy and Experian claim its accurate. I sent them proof of the bill and they have failed to properly investigate. The FCRA says my report must be 100 % accurate. XXXX XXXX has removed the account from my report after their investigation. I thought the credit agencies had the same laws and rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is regarding an inaccuracy in my credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX on XX/XX/XXXX ) 2. ( XXXX on XX/XX/XXXX ) 3. ( XXXX on XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX on XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

After checking my credit reports, I have noticed that on all three of my credit reports are showing several inquiries that I did not make and have no knowledge of. 
XXXX, Experian and XXXX companies are unlawfully reporting an unauthorized inquiry on my consumer report. 
They are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
I have not initiated any transaction with the following accounts : XXXX  XXXX Inquiry : 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 XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX I do know I have an account with XXXX  XXXX which the account was opened XXXX XXXX, XXXX ( XXXX mos ) and that inquiry is accounted for which is XXXX  XXXX on XXXX XXXX but the other Inquiries are not mine nor do I have any open accounts for those dates which means by law they must be deleted. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against CashApp ( Block , Inc . ) due to inadequate customer service and unfair practice, which violate the Consumer Financial Protection Act ( CFPA. Cash app failed to take time and effective measures an address fraud under platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was was unfair and deceptive as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation C. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting an incorrect coding of the XXXX XXXX/XXXX partial account number XXXX. ( Please see pages 6 and 7 from the attached credit report. ) This account is being coded as an XXXX when actually this needs to be coded as an XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to respond or to verify that this is indeed my debt. 

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to this collection agency. 
Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. 

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

The following collection accounts that are currently listed on my XXXX XXXX, XXXX and Experian credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX, {$490.00} and XXXX XXXX, {$430.00}. I been receiving harassing, abusive, threatening, unfair and deceptive phone calls from the above creditors. The above creditors are in complete violation of the Fair Debt Collections Practices Act ( FDCPA ) under federal law. Im a victim of identity theft and the collection accounts are all fraudulent accounts and do not belong to me. The fraudulent accounts are not my accounts.
Product: Payday loan, title loan, personal loan, or advance loan

company sold debt to collections. XXXX XXXX XXXX XXXX
Product: Checking or savings account

Good Morning.

PNC transitioned BBVA customers to their systems on XX/XX/21. Some of our accounts were migrated, but two of them were not. I contacted XXXX ( XXXX ) @ PNC on XX/XX/21 ; she acknowledged that there was a problem and that she would get those two accounts migrated. She said it would be done by XX/XX/21. This did not occur. I contacted XXXX the following week ; again she looked into it and it would be corrected this time. We still were unable to access these two accounts. On Saturday XX/XX/21, I was contacted by XXXX XXXX. I worked with XXXX all day XX/XX/21 ; the two missing accounts were finally brought over. They were brought over as 'Virtual Accounts ' and not real checking and savings accounts. We were unable to view any transactions, transfer, withdrawal, or do anything with these accounts. I sent screenshots documenting these issues to PNC. There was no change. Starting XX/XX/21 through today ( XX/XX/21 ) i have worked with XXXX XXXX. He has been unable to get these accounts corrected and gives me indication that they are correctly listed as 'Virtual Accounts '. I have explained that they are not anything like the accounts were before and we can not access anything related to them. 

It should also be noted that a week prior to the transition we lost our ability to send Bill Payments from our accounts. It has been 65 days since we have had full access & functionality to these accounts. I have spent a minimum of XXXX hours trying to resolve this issue.
Product: Credit card

I went through a financially tragic moment and as a result, I missed several payments. I would like to tell my story, I am XXXX and I started my life here in the United States almost XXXX years ago and I had no idea how everything worked here, after a while living here I opened some bank accounts and XXXX credit cards, at the time of my late payment I had a XXXX XXXX XXXXXXXX credit card, a capital one card and another one I opened a business credit card with capital one too but each card works differently and I didn't know that, so when my business card arrived, I was moving from XXXX to XXXX, that's where I spent a little more than I should have on my card and I thought I could just pay the minimum the next month, but when the invoice arrived I needed to pay the full amount of the invoice, so no I had money at that moment to pay in full, so I started making payments as best I could until I could bring some money from XXXX to pay the amount in full, as I was changing address I had a problem with my account in XXXX at the same time, so it took a while for me to get organized and I ended up with late payments on my credit report. I only have late payments with this company and I am a great payer. My wife and I are looking to buy our first own house but with low credit we are having problems. 
According to the law I have my right to dispute what I consider unfair, even though there are errors in my information. I'm still not recognizing my last XXXX social security number and I consider it unfair that I tried to communicate with banking institution representatives on several occasions by phone, email and certified mail, I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me, and this is affecting my reputation. 

Late payments : 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: Checking or savings account

Contacted Wells Fargo customer service by telephone three times ( totaling over 90 minutes ) within past 10 days and visited local branch in XXXX XXXX, XXXX XXXX, CA ( twice ) over past 3 days to close my checking and savings accounts, both of which have a {$0.00} balance. Was told several different and conflicting reasons why they were unable to complete closure requests.
Product: Debt collection

I sent two different debt validation letters to Riverview Law Office via certified mail. One was received by them on XX/XX/XXXX as my initial request for validation of the debt. My second letter was sent as a follow-up request after several phone calls were made to me from the law office but still no documentation was sent per my request. the other letter was received by them on XXXX XXXX, XXXX. In my letters, I stated I was not refusing to pay but want validation of the debt by providing me with a list of documentation within 30 days of receiving my letter or they have to remove and delete this account. Riverview law office has failed to provide me with the information I requested and now they have filed a court hearing/summons over this matter. The debt in question is said to be from XX/XX/XXXX to XX/XX/XXXX. I am filing a compliant today because of their refusal to provide me the information I request in the timeframe provided in my letters yet they are now trying to take me to court over this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Equifax credit report and after reviewing it I noticed that Equifax has REPOSTED a charge off account that was previously disputed and removed from my report. I am distressed that they have included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. This is a violation of FCRA and I demand that this account is REMOVED and BLOCKED IMMEDIATELY from ever reporting on my report again. I have attached the FTC report that I sent Equifax last month about this account previously as well at the report that they sent me showing that it had been removed from my report last month.
Product: Credit reporting or other personal consumer reports

Clarity Services XXXX is continuously reporting inaccurate information on my consumer report/ File. I never gave Clarity Services XXXX consent to share my information and these accounts must be deleted immediately. This is a violation of the FCRA. Also late payments are illegal and should not be on credit reports. The violation of my rights on my consumer file is Late Payments- 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Definitions ; Rules of Construction. 2 : Exclusions. Transactions are not included in the consumer report/ consumer file. Delete these Late Payments and Update my Payment History to PAANL status, or Delete these accounts now. Accounts : 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. 15 U.S.C 1666b States that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Also, XXXX has violated 15 U.S.C. 1666 ( b ) ( 4 ) Billing errors : States that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. It is also against the law for Clarity Services XXXX to make any consumer report containing any adverse item of information IAW 15 U.S.C. 1681c ( a ) ( 5 ).
Product: Money transfer, virtual currency, or money service

Ace Cashing in XXXX Tennessee Store Number XXXX at XXXX XXXX XXXX XXXX Tennessee cashed checks for person/persons using my identity. They cashed tax returns that was filed fraudulently. XX/XX/2014 using wire transactions. XXXX Treasury XXXX XXXX.Check number XXXX {$400.00}. X/X/14-wire transaction -check number XXXX {$650.00}. My drivers linsence & social security card was stolen. Tax returns are being filed fraudulently & the employees with Ace is cashing checks.The last digit on my drivers linsence was changed by an employee with Ace check Cashing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted complaint # XXXX. The intention is not to submit a duplicate complaint for the same issue but to highlight the fraudulent and deceptive business practices as I stated in my initial complaint against XXXX XXXX XXXX. In XXXX of this year I got a bill from XXXX XXXX XXXX for a past due account that is not mine. I explained to XXXX over many calls that my mobile service for the last 6 years has been through XXXX and with XXXXXXXX XXXX prior to that time frame. I also advised that my current internet and cable service is with XXXX XXXX and prior to that with XXXX XXXX. Upon explaining this, at no time was any of the managers I spoke with able to find the product or billing info of the XXXX & XXXX account. But XXXX XXXX XXXX sent the account to collections anyway with Credence Resource Management LLC. XXXX XXXX XXXX response after I complained to the CFPB, was to send me the attached form within to be completed online so they can investigate my complaint. The problem is that the web address for the complaint they reference in the letter does not exist at XXXX I have attached the letter and the XXXX search that shows no world wide web site listing for the web address noted. I am tired of the games these companies are able to play while corrupting my on time payment history with an account that does not belong to me. I want the account deleted immediately. It is a fraudulent billing, they have given a fraudulent web address to respond too, because they practice fraudulent procedures. I want this account deleted immediately!
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries on my credit report that were not authorized by me, including multiple closed accounts that are still being reported. These inquiries have negatively impacted my credit score, and I seek immediate removal of these inquiries from my credit report. 

Equifax : reported closed accounts : 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 Equifax : Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : reported closed accounts : XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

XXXX : Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : reported closed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX co XXXX. 

XXXX : Hard inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX