23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

There has been multiple issues within this same situation. 

1 ) The vehicle description did not meet the actual product ( carfax information was different that what was sold to consumer *AA ) -- -this was with an affiliated company2 ) Payments have been processed several time on the wrong dates. XXXXXXXX3 ) Payments have been processed with other methods which were not authorized. XXXXXXXX4 ) Contact with representatives has been rude and forceful.
Product: Debt collection

Dept collection company named Oaks capital LLC is trying to make me pay the dept I owed XXXX..the amount of the debt is XXXX And Oaks capital LLC puts that on my credit report so I want them to remove that debt on my credit report because I do not own them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to get this company to correct these issues back in XXXX of 2022 Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes. 

I was able to contact someone but no changes were made so now i'm here hoping to that the CFPB can get me some better results. 

attached with this complaint is a letter and my identification i have Enclosed to prove my identity and also the correct spelling of my entire full name and my correct and current address.
Product: Prepaid card

I received a {$300.00} American Express gift card. I activated it as instructed. I have tried to use the card with several different merchants both online and in person and each transaction has been declined. I have even attempted to make a {$10.00} purchase on my {$300.00} balance with a merchant that accepts American Express gift cards and it was declined. I have {$300.00} and no way to use the funds. I would like my money. I have tried to reach customer service and I only get an automated message that says that I may have tried to purchase above my balance. It does not give me the option to speak with a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Owed : {$8100.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I opened this loan and was paying it back in installments every 2 weeks. I fell upon hard times and had to stop paying. My roommate left me high and dry and had to full rent on my own. I tried to make arrangements with them but I couldnt afford what they were offering. Id be paying for the rest of my life with the interest rate they charge with the amount that I can afford to pay. Im afraid that theyre going to take me to court or empty my bank account to recover their funds. Im not refusing to pay. I just cant afford to pay what they are proposing which is what Im behind on which is over {$1100.00}.
Product: Credit reporting or other personal consumer reports

I am writing to address the inaccurate reporting of my student loans on my credit report. My student loan debt has been fully discharged through the Borrower Defense Act as of XX/XX/2023. Federal Student Aid confirms that I have a {$0.00} balance on all XXXX loans. 

Upon discovering this discrepancy, I reached out to the loan servicer to inform them of the discharged status of my loans. However, they directed me back to Federal Student Aid, stating that they should reflect the same status. Subsequently, I initiated a dispute both with Federal Student Aid and the credit bureaus. 

Despite following the proper dispute procedures and waiting the allotted 30 days, only XXXX out of the XXXX loans were removed from my credit report. I have made multiple attempts to contact Ed Financial without success.

Given that Federal Student Aid acknowledges that I no longer owe these loans, it is unjustifiable to continue damaging my credit by reporting them. I urge you to take immediate action to remove these erroneous and illegal accounts from my credit report.
Product: Debt collection

This vehicle was repossessed b y NFCU in  t he State of F lorida on or about,     X/XX/2014   , a nd resold on or about   XX/XX/2014 .    Under the laws of the State of ( State of Repo ) U CC 9.506 and Sta te  RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices   were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.   Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.   If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.   In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all availabl e State and Federal statutes and UCC 9 remedies.
Product: Vehicle loan or lease

when I was checking my bill online for XXXX, I found out that the interest is more than any other month statement date Due date total principal interest XX/XX/22 XXXX {$740.00} {$240.00} {$450.00} all other statements show less interests, the month before was showing {$280.00}, the month before was {$29000.00} interests and so on, and as I know the interest is % 19 fixed rate. I decided to call customer service and I spoke with XXXX who mentioned that his Employ ID is XXXX, I asked him why I am paying {$160.00} extra interest since I have never missed any payment, he stated that because I paid my monthly payment 6 days earlier before my due date, I asked him how come, if I paid 5 days earlier that would save me interest and not adding {$160.00} extra. also Santander dont show how much interest and principal I have to pay with every bill they generated, but it showing on the next billing cycle, so their bill is just how much I have to pay without explanation till I get the next bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XXXX XXXX, 2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. I know that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX  and XXXX  must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and I have asked for them to be removed and the bureau did not remove them as I asked. I am providing an identity theft report with this, and I am asking for these to be removed from my credit report they are inaccurate and not mines
Product: Credit reporting or other personal consumer reports

**Complaint Summary for XXXX XXXX XXXX **Personal Information : ** - **Name : 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 Fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. Do not extend credit without first contacting me personally and verifying all application information. This victim alert will be maintained for seven years, beginning XX/XX/XXXX. 

# # # **Violations and Companies Involved** XXXX. XXXX XXXX XXXX XXXX **Violation : ** Inaccurate reporting of three late payments on a closed auto loan account that do not reflect the actual payment history.

- **Company 's Role : ** Responsible for providing accurate account information to credit bureaus ; the inaccurate reporting negatively impacts the consumer 's credit score. 

XXXX. XXXX XXXX - **Violation : ** Inaccurate reporting of 23 potentially negative months on a closed note loan account, including multiple charge-offs that misrepresent the payment history. 
- **Company 's Role : ** As the creditor, XXXX XXXX is required to accurately report account status and payment history to credit bureaus. 

XXXX. XXXX - **Violation : ** Inaccurate reporting of 45 potentially negative months on a closed charge card account, indicating a charge-off status that does not reflect the payment history. 
- **Company 's Role : ** Responsible for reporting accurate information regarding account status and payment history. 

# # # **Legal Violations : ** 1. **15 USC 6802 ( Gramm-Leach-Bliley Act ) ** - Violated by selling or reporting personal information without consumer consent.

2. **15 USC 1681i ( Fair Credit Reporting Act ) ** - Violated by failing to conduct a reasonable investigation into disputed information and failing to correct inaccuracies.

3. **15 USC 1681a ( Definitions ) ** - Violated by reporting without consent, misrepresenting what constitutes a consumer report.

4. **15 USC 1681b ( Permissible Purposes of Consumer Reports ) ** - Violated by obtaining and selling credit report information without permissible purposes or consumer consent.

5. **15 USC 1681c ( Exclusions from Consumer Reports ) ** - Violated by including unverifiable or outdated information that should have been excluded.

6. **15 USC 1681e ( Compliance Procedures ) ** - Violated by failing to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports.

**Involved Credit Reporting Agencies : ** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These agencies may have sold, purchased XXXX and reported personal information without consent and failed to adhere to proper verification procedures, leading to inaccurate reporting.
Product: Credit card or prepaid card

Applied for credit card with www.Avant.com website showed annual fee of XXXX dollars. After pulling my credit and giving me a hard inquiry approved me but with a XXXX dollar annual fee. Not that big of deal but when I contacted support through email they directed me to the 1800 support and after contacting them they just kept repeating that my annual fee is XXXX dollars regardless of what their website showed. Contacted email support again to tell them the issue was not resolved and was once again directed to 1800 support to be told again that the website saying it's XXXX dollars is not relevant to my XXXX dollar fee. This seems like false advertising to me as the only time XXXX dollars was shown to me was after I gave approval for the hard pull on my credit.
Product: Credit card

I have received another cash advance charge on my account despite paying off the cash advance three days after it was taken. 

XX/XX/year> : Cash advance for {$2300.00} XX/XX/year> : Finance Charge on cash advance : {$110.00} XX/XX/year> : Called and spoke with customer service to ensure cash advance fully paid off. 
XX/XX/year> : Payment : - {$2400.00} I have no problem with these charges and paid off the advance promptly. 

XX/XX/year>XXXX  : Interest Charge on Cash A : {$6.00} XX/XX/year>XXXX  : Finance charge refunded : - {$6.00} [ this only occurred after calling XXXX XXXX ] XX/XX/year>XXXX  : called to request the refund on the interest charge and reconfirm I would no longer be charged interest for the cash advance paid off in XXXX. 

XX/XX/year> : Interest Charge on Cash A : {$1.00} These are small amounts but if multiplied across PNC customers could add up to millions of dollars. The policy of continuing to charge interest without an ability of the customer to pay the debt off I believe constitutes predatory lending practices.
Product: Debt collection

On XX/XX/XXXX I received notice of a collection posted to my credit report in the amount of {$290.00} from Credit Service Company INC. Having never heard of this company and not knowing of any new credit card or line of credit, I reached out to XXXX for assistance. They researched and found it was originally for XXXX XXXX XXXX XXXX for a service date of XX/XX/XXXX in their XXXX XXXXXXXX location I know of XXXX XXXX XXXX as they have an office in my hometown but I have not seen them nor have I seen a bill from them at any time. I was also not contacted by Credit Service Company.. The result of the conference call between XXXX, Credit Service Company, and me was that XXXX would file a dispute and investigate on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2017, all bureaus to include Experian, XXXX, XXXX as well as XXXX, XXXX XXXX, XXXX, XXXX, and XXXX  XXXX  have been reporting on my reports that Public Record Bankrupty Chapter XXXX Discharge with reference number XXXX XXXX  was verified as accurate or provided info on such discharge by the US Bkpt Court, XXXX, Fl. 

I contacted the court and their response is attached. 

It is clear they do not report to you or any credit bureaus for that matter, therefore the original response verifying the item with the court was either an error or a lie. 

Either way, the reporting requirements do NOT comply with FCRA Section 611 ( 15 USC Section 1681 ) and the information must be deleted immediately.

You must delete this item and all related associated items within this public record from all credit files and I never want to see them appear again.
Product: Mortgage

The mortgage company made a payment to the town for past due taxes. Unknown to me that this was done until after the fact. They have now increased the mortgage to a payment beyond a reasonable amount. I applied for a loan modification and the payment is still not reasonable. I was approved by XXXX XXXX for a non interest loan to pay the past due taxes. My representative has attempted to obtain a statement from the mortgage company to state what was paid on the past due amount so that we can reimburse the mortgage company. I have also attempted to get this from the mortgage company and after daily calls since XX/XX/XXXX, the mortgage company states they can't provide a statement showing what they paid for past due. They have stated their records only go back to XX/XX/2019 when the payment was made XX/XX/XXXX. 
I have spoken with supervisors in the mortgage department, customer service, Tax department and the escrow department. Have had no resolution to obtain a document. 
If this is not addressed immediately, I may loose the state loan and will also be put in a position of foreclosure on my residence. I am making my standard mortgage payment and the mortgage company is refusing to apply it to my mortgage amount. 
Phone calls are XX/XX/19, XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19 ( 2 hours on phone ), these are the calls I have documented which are not all calls made to the mortgage company. The state also made several calls to the company. Suntrust Mortgage, 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 Customer 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 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 has caused significant inconvenience and financial lost, and I seek appropriate redress for these actions.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- Please update my report. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXXXXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED ONLINE DISPUTE THRU TRANS UNION ON XXXX XXXX ( XXXX ) FOR A XXXX ACCOUNT.XXXX PUT THE ACCOUNT ON MY CREDIT REPORT ..I RETURNED THEIR EQUIPMENT AND CELL I I CANCELLED CONTRACT BECAUSE BEFORE ENTERING IT I ASKEDTHEM TO VERIFYTHEY HAD  SERVICE IN AREA I WAS WORKING IN XXXX XXXX , NC AT THE TIME THEY GUARANTEED ME THEY DID. I RECIVED XXXX CELL BUT NO SERVICE IN THAT AREA. THEY OFFERED ME A MAGIC BOX TO INCREASE SIGNAL STILL NO SERVICE. I CANCELLED AND RETURNED BOTH ITEMS.XXXX SAID I CANT AND TRIED TO CHARGE MESTILL FOR BOTH.THEY PROCEDED TO SELL THE CONTRACT AFTER I CONTACTED THEM ABOUT IT TO PA, who when i disputed it with statement removed it from 3 credit bureaus but sold it to sister company, XXXX XXXX XXXX  ( XXXX ), who readded it to my repport. I am requesting they remove this account for {$1000.00}, because they did not validate debt and the XXXX XXXX items {$440.00} item from my credit report also because they preinted same type letterThey ( XXXX  ) also sent me a letter they printed ( forge ) from XXXX XXXX. I have yet to receive a contract or letter with my signatutre saying i owe this debt. When they received my certified signature required letter with a letter they print cause it has same number and code at bottom as their preprinted letter saying i owe debt proving its not from origional creditor ..withwriting { this is communication purposes and not to collect a debt }. 
This paperwork does not have my signature or id recorded and does not validate this debt. i will be pursueing a lawyer if this persists
Product: Debt collection

XXXX employees and/or JP Morgan employees that share that failed JP Morgan/Amazon Visa card continue to call and request I return their calls. That isn't going to happen, ever. Also I received a statement dated XX/XX/23 on XX/XX/23 demanding payment on XX/XX/23 for {$25.00} ; a sum of money more than previously known to be alleged as owing. All this while the Company 's response is in progress '' and XXXX XXXX of JP Morgan assured me when she was done reviewing my 53 pages of evidence that surely calls into question the assertions by XXXX of delivery by USPS when I couldn't even get mail let alone a parcel that the independent contractor [ a rural usps bid on route ] would have to lift and carry it nuts.
Product: Credit card or prepaid card

Hello, On Wednesday, XX/XX/XXXX, I received an e-mail from XXXX XXXX from XXXX XXXX AAdvantage Corporate Security stating that my AAdvantage  account ( # XXXX ) was terminated. This termination e-mail included forfeiture of all membership benefits, miles, and award tickets. 

I suffered substantial financial loss as a result of this termination, including : 1 ) About XXXX XXXX  Miles - Approximate Retail Value $ 14k USD. The vast majority of these miles came from financial products ( e.g., credit card bonuses, hence why I am filing with the CFPB ), and a handful came from actually flying with XXXX. 
2 ) 2 return flights back from Hawaii, where I was on vacation with my partner - meaning that we needed to book return flights for a last minute Holiday season ticket back to New York from Hawaii. 

The termination and subsequent forfeiture of miles and the award ticket were surprising to me. The e-mail sent was vague and did not specify a specific infraction, but cited " fraud, misrepresentation, abuse, or violation of applicable rules. '' To the best of my knowledge, I did not participate in any form of fraud, misrepresentation, abuse, or violate any rules laid forth by the AAdvantage Terms and Conditions. I have attempted contact with XXXX  8+ times and have not yet received an explanation. To that end, I have filed a complaint with the DOT regarding XXXX. 

However, Citibank is also involved in this. The vast majority of my miles were earned through credit card sign-up bonuses, whose offers were sent to my postal address via USPS. I filled these offers out with my legitimate information and several times spoke with Citibank Customer Service Analysts in order to be approved for these cards. I met the requirements to earn the sign-up bonuses in a legitimate fashion. With XXXX  terminating my account, all of the bonuses I earned with Citibank are rendered void. I have attempted to contact Citibank regarding this issue, only to be told that there's nothing that they can do about it and it's all on XXXX  's end. 

However, that's misleading and fraudulent. They entered into an agreement that now I am being punished for - and I would like to seek that Citibank rectifies this by doing the following : 1 ) Working with XXXX  to reinstate my account along with my forfeited miles - they have corporate partnerships that should make this relatively straightforward. 
2 ) If the first is not possible, for Citi to award me an alternate currency for the award miles that I was not able to use - either in USD or an alternate points currency - Citi has an alternate award program TYP, that they could convert my sign-up bonuses into. 

I'm happy to provide any additional information, including correspondences, screenshots, etc. 

Thank you very much for your help in this matter. 

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

XXXX XXXX placed a collection on my Experian, XXXX credit report and XXXX credit report on XXXX XXXX, 2017 stating that I owe a balance of {$2200.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company