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

Creditor " World OMNI FINANCIAL CORP " seized the car during quarantine when I could not pay the loan. After the sale, they offered to pay me the difference, but at that time I did not have such funds. This year in XXXX they sent me a XXXX for the amount owed. but on my credit report there is a completely different amount and it grows every month and increases my debt balance, lowering my credit rating.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I incurred. Despite having sufficient when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request a investigation into my account transactions.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019, 60 days late as of XX/XX/2019 and 90 days late as of XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear. CFPB My name XXXX XXXX Show my Experian, XXXX, XXXX CREDIT REPORTS on collection XXXX XXXX ( XXXX XXXX XXXX ) {$1000.00} Its not my collection. please remove it. 
Thank you. 
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Vehicle loan or lease

In XX/XX/XXXX, I leased my XXXX XXXX XXXX from Ally Financials and decided to buy out my lease after making XXXX payments. On XX/XX/XXXX, I received my lease buyout loan from XXXX  XXXX XXXX and we ( XXXX  XXXX XXXX, Ally Financials and myself ) were on a conference call together to go over the following steps. At that point, total buy out amount was {$58000.00} and it's good thru XX/XX/XXXX. On the conference call, I told them I would like to make one time payment of {$18000.00} and refinance the remaining {$40000.00}. Ally instructed me to make the one-time payment of $ XXXX via their mobile app and request Lease Buyout Quote/Letter ( " Letter '', which is required by XXXX XXXX XXXX ) the following day . Thus, I made the one-time payment on XX/XX/XXXX and requested the Letter on XX/XX/XXXX. Ally told me that it'd take 24 to 48 hours to receive the Letter. Since XX/XX/XXXX, I've been following up with Ally on the Letter every single day, but Ally kept telling me to wait a bit longer given they are short of staff. They also advise me that once the Letter is available, I can extend the good thru date for longer processing time. On XX/XX/XXXX, XXXX  XXXX XXXX called me to follow up on the Letter and we have another conference call. On the call, Ally told me that total lease buyout amount at this point is increased by over {$700.00} given it's past the good thru date of XX/XX/XXXX. I told them what I've heard from the previous conversations with Ally ( that I can extend the good through date with the same $ XXXX buyout amount as this is due to they couldn't provide the lease buyout letter in a timely manner ). However, the customer representative from Ally told me that there's nothing they can do in this situation. As of right now, they still couldn't provide the Letter and XXXX  XXXX XXXX decided to take their verbal amount to make the loan agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency, XXXX XXXX XXXX and Chex Systems is reporting inaccurate, outdated, or invalidated information on my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XX/XX/2019 XX/XX/2019 TransUnion, has been practicing illegal tactics against me and its effecting my credit report negatively. They are reporting a bankruptcy/public record on my credit report. They are using third party companies to report this information. Which is illegal. I have been asking for a method of verification and they will not provide me with any method of verification Ive asked of them. I have a letter from the the U.S Michigan bankruptcy court stating that they DO NOT provide credit bureaus with such information or third party credit reporting agencies. My XXXX report is also saying thats theres no bankruptcy reporting. Please make them remove this bankruptcy public record and all accounts included. Thank you.
Product: Checking or savings account

I ordered XXXX XXXX on XX/XX/XXXXXXXX  at XXXX XXXX for delivery. I live in an apartment complex where people take things that are left outside so I left very clear delivery instructions to call me when they arrive and that I will meet them for my order. I got an email saying my order was delivered but I never got a call saying anyone arrived so I went around to look for my food and there was nothing at the doors so I quickly tried to contact the number that was given with delivery but I was getting sent to voicemail. I reached out to XXXX XXXX to resolve it and they told me they would have to escalate it to the general manager and I would hear back in a few days. They never reached back out so I contacted my bank to dispute the transaction but they say they resolved their investigation and dont see fraud. Im not really sure what to do because I spent {$110.00} to not receive any type of merchandis or compensation for it like a refund or a re delivery.
Product: Mortgage

In XX/XX/2019 I applied for a loan modification and was denied. I appealed in XX/XX/2019 and was denied again. XX/XX/2019 I have spoken with a financial advisor thru the Hope hotline and was advised to seek a forebearance which was never offered to me as a option. I called my mortgage servicer Sps and was told that a forebearance is the same thing as deferral and repayment which they denied me. 
I have researched and they aren't not the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached documents show XXXX failed to live up to the terms of the XXXX for my Private Student Loans they acquired from XXXX. 
1. XXXX XXXX XX/XX/XXXX response to CFPB ( page 17 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 14 of the attached doc ( p. XXXX of XXXX ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, XXXX ) XXXX was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. XXXX XXXX XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. XXXX erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XXXX XX/XX/XXXX ( see p. 23 - 24 ) Thus, XXXX improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because XXXX failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX 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 XXXX XXXX XXXX  XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On Thursday XX/XX/XXXX my Apple Card from Goldman Sachs was compromised. I cancelled the card, changed all passwords etc. I woke up this morning to an unauthorized payment of XXXX from my checking account to that card. 

Goldman Sachs can not cancel the payment and can not give me my money back for 10 days, leaving me both without a credit card and without over {$1500.00} I needed for other things.
Product: Debt collection

On XX/XX/2019, my car was totaled in an accident. The insurance company paid the balance of the value of the car around {$7000.00} In XX/XX/2019, I contacted XXXX XXXX XXXX  to file a claim under Gap coverage to pay off the balance of what my insurance would not cover. 

Constantly called Ally Financial the lien holder for several weeks. Recently, I called and asked did XXXX XXXX pay off the remaining balance of the car. They would not give me any information. I informed that I tried to access my Ally Financial account online and it says that my account was closed. I recently learned from my credit report that XXXX XXXX did not pay off the full balance that was covered under the Gap insurance and Ally is billing me about {$2700.00} to pay this debt without letting me know it existed before they put it on my credit report as a balance owed. They never explained to me why or how they derived at this figure. Neither company could explain where this figure comes from and why am I obligated to pay it at {$410.00} a month. I no longer own the car, it was signed over to my insurance company back in XXXX.
Product: Student loan

I have a student loan with Navient. Been paying them for a little over a year and they keep increasing my loan. That its affecting my credit score as well.
Product: Debt collection

The company, XXXX XXXX XXXX is inaccurately reporting a fraudulent account in the amount of {$390.00} under my name and my credit reports! I have contacted them several times to advise them of this and even sent over my police reports and other documents and they still report this under my name and credit reports. This is affecting me and causing me stress and more.
Product: Credit reporting or other personal consumer reports

I have noticed a lot of inquiries on my credit report and i get a lot of calls from people trying to sell me stuff or offer more credit.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 BANK XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Company states i XXXX XXXX XXXX  the co-signer on the original contract @ the time my credit score was very low and i was told i needed a co-signer by XXXX XXXX XXXX, so XXXX XXXX co-signed on the contract!! i was also told that credit acceptance required a down payment as stated in the contract truth and lending disclosure XXXX XXXX XXXX the contract has wet signatures in wrong location without our knowledge which caused hardship on me XXXX XXXX each box has a different amount why is that this contract is fraudulent as i have stated to credit acceptance along with the XXXX  XXXX XXXX was made aware as well according to FCRA 15 usc 1681 reporting inaccurate information without my consent 7 yrs 11 months reported on my credit profile thru XXXX XXXX XXXX sent a letter to XXXX XXXX XXXX stating he was the co-signer on the contract cfpb im asking you to investigate further into this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi and how are you doing? Although I appreciate XXXX XXXX getting back to me in regards to my previous dispute for a negative item or charge-off account reporting, but their investigation did not resolve my underlying issue. It's impossible that you verified this account because it continues to report the same errors, inconsistencies, with multiple inaccuracies, and different dates of last active and different dates of last payment. You mentioned that you sold my account back in XX/XX/2016 to a XXXX XXXX XXXX  - a debt buyer, but no way on my account is showed that it was sold or transferred to them. I believe under the fcra guidelines if the account was sold/transferred it needs to show on my credit report so I can resolve it directly with them. You failed to conduct a reasonable and truthful investigation because it continues to report the same errors and violations as before i disputed.
Product: Bank account or service

Due to an error in paperwork with my city of residence, Bank of America was served a legal notice to have nearly {$120.00} dollars debited from my account, which it followed through on. Bank of America then charged an additional {$120.00} non-refundable fee. Even though this transaction was the result of an error, it is not the city 's responsibility to refund the {$120.00} fee that Bank of America received -- an exorbitant amount that the city will not agree to, as it is more than the amount they originally sought. Bank of America representatives reminded me that the {$120.00} is non-refundable because of the amount of work it takes to process anything legal, but the fee is excessively high and I am left paying for the city 's error and Bank of America 's avariciousness.
Product: Credit reporting or other personal consumer reports

I am disputing XXXX credit inquiries from the same company, dated XX/XX/year> and XX/XX/year>. I have never heard of this company, nor have I applied for any of their services. On both of these dates, I submitted my Social Security number as part of an auto loan application through a different website, which clearly stated that the inquiry would be a soft pull and would not affect my credit score. I believe these hard inquiries were made without my authorization and request that they be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting an accident on my insurance report that took place in XXXX. In XXXX, I discovered this information when switching insurance companies. I was not involved in the accident. I was not in the vehicle, the vehicle was not in my name, I was not even in the city it took place in. I disputed the information, sent in the documents and received a letter from LexisNexis that it was removed. Now, 3 years later, I am looking into changing my insurance company again and this accident is showing back up on LexisNexis ' reports. This is holding my insurance premiums XXXX and puts a mark on my record for an accident that I was in no way involved in. I have been trying to get through to them for days with no success. They are reporting information that was disputed and proven to be fraudulent.
Product: Credit card

I have direct express card through Comerica bank direct express will show the address of the purchase but not the name of the company so I have to call direct express and wait over half hour to get the name of the company that charged my card completely wasting my time when all direct express has to do is show the name of the company on the direct express app
Product: Credit reporting

Hello. I 've been a victim of Transunion 's inquiry issue. I called their customer service but they were not helpful at all. I would like to see if the following inquiries could please be removed from my report : XXXX - XXXX/XXXX/16 St. XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 Thank you so much for looking into this for me! 

XXXX XXXX
Product: Credit reporting

I have contacted the company for a copy of my credit report both by phone and online, I still have not received it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX XXXX, and Equifax have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting

I sent Experian a written dispute on XXXX different occasions by certified mail. The only response received was a letter saying that Experian thought it was a suspicious request.
Product: Money transfer, virtual currency, or money service

I tried logging into my Coinbase account on XX/XX/XXXX to make a trade. However, when doing so I saw my XXXX balance showed {$0.00}. I knew this could not be the case as I had ~ {$9000.00} dollars worth of crypto on this account. I saw my account had funds in it up until XX/XX/XXXX. 

When trying to call the support line I was told that there was no account tied to my phone number. However, I could see in my account settings that my phone number is indeed tied to my account. I tried emailing Coinbase and got no response. I could not create a ticket for their support team as I was not getting emails from them. The only way I was able to get into contact with them was via XXXX DMs. This is absolutely absurd that the company couldn't be bothered to pick up the phone when so much money was in question. 

Long story short, I was able to get into contact with Coinbase support. I was told that my account had been hijacked and the attacker was able to circumvent Coinbases security, my phones two-factor authentication, as well as my email. I know that I never received any emails or text messages regarding this transaction. 

Support told me that the security of my account was all on me. This is fair however, I am a technologically savvy person and know I received no such correspondence. I have no idea how my account was breached in this manner. 

My main complaint ( aside from the obvious drain of my account ) is that it was impossible to get in contact with anyone from Coinbase until days after the initial incident took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} ), XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} ), XXXX XXXX XXXX ( Account Number : XXXX, Date Opened XX/XX/XXXX, Balance : {$430.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX  ( " XXXX '' ), the prior servicer had a XXXX balance on this account before the account was transferred to Real Time Resolutions , Inc. ( " RTR '' ), a debt collector. XXXX  reported the full principal balance paid in XXXX. See attached XXXX Form 1098. However, RTR continues to claim the full principal balance is still owed on this account. See attached RTR Statement ( XX/XX/XXXX ). 
On XX/XX/XXXX, I contacted RTR with the XXXX Form 1098 from XXXX, showing XXXX  reported the full principal amount was paid in XXXX to XXXX. RTR never corrected the account balance or responded showing the account balance was correct, as required under RESA ( by XX/XX/XXXX ). 
On XX/XX/XXXX, I contacted RTR with proof from XXXX  that XXXX  had contacted RTR ( in XX/XX/XXXX ) asking RTR to fix RTR 's incorrect balance. RTR never corrected the account balance or responded showing the account balance was correct, as required under RESPA ( by XX/XX/XXXX ). 
On XX/XX/XXXX, I contacted RTR with proof SLS had contacted them again ( XX/XX/XXXX ) asking RTR to fix RTR 's incorrect account balance. RTR never corrected the account balance or responded showing the account balance was correct, as required under RESPA ( by XX/XX/XXXX ). 
On XX/XX/XXXX, I contacted RTR Chief Compliance Officer XXXX XXXX asking his assistance in having RTR comply with RESPA. Again, RTR never corrected the account balance or responded showing the account balance was correct, as required under RESPA ( by XX/XX/XXXX ). 
Except for sending the required acknowledgments of my Notices of Servicing Errors, RTR has refused to correct the incorrect account balance or respond showing the account balance is correct.
Product: Credit reporting or other personal consumer reports

The following accounts are not mine

Account name:XXXX XXXX
Account Number: XXXX  
Account name:XXXX XXXX
Account Number: XXXX

Inquiries:XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I went to trade in my XXXX XXXX XXXX at XXXX XXXX in XXXX, NC for a XXXX XXXX XXXX. The next day after purchase they told me to come pick up my car because it was showing paid off so I dont have a balance and could keep the car. The representative showed me where it was no balance left on the loan. The company Regional Acceptance Corporation filed a loss on the vehicle before it was paid off and I was under the assumption that I was trading the car in for my XXXX. Now the car is showing up on my credit report. I was never sent a title for the car. Nobody has contacted me about the car and I have tried disputing the charge off off my credit report numerous times and the car has been hurting my credit report every since.