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

On XX/XX/2022 The State of Arizona issued a check to Capital One Auto finance in my name as part of an emergency veterans assistance grant. The check had my full name on it. Capital one cashed that check on XX/XX/2022 and has since refused to release the funds. After 30 hours on the phone and refusing to speak to AZ State they lied and said they lost the check even though they had cashed it. The state issued a new check and Capital one allocated that money to my account. The first check they kept the money. They did not act a prudent man as the law insists, nor did they do any due diligence. They have spent 42 hours over XXXX years lying, hanging up on me, putting me on hold, and generally refusing to do any meaningful work to recover the funds. They refused to allow any one individual to help me and made me restate the case every single time i called them as if i had never called them before. XXXX weeks ago i sent them irrefutable evidence from the state that they did, in fact, cash the check and have the money. They still refuse to release the funds. They act as if they are above the law or as if their incompetence or convoluted system absolves them from following the law. I am a XXXX XXXX XXXX veteran who has been robed for XXXX years. They have illegally held these funds for XXXX years and refuse to release them let alone pay interest or damages. I have spoken to over 48 different representatives. 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 after alerting the press, did they even begin to look into it. I also had to go outside their system and use XXXX XXXX to get emails of ceo 's to get help. Yet, with all the evidence in their hands they still refuse to release the funds. I've told them on multiple occasions how this is harming me but they simply do not care. They act as if they are immune to banking laws and can simply lie, obfuscate, call me names, and refuse to even look into the matter. 43 hours on the phone to over 48 different individuals, they have copies of the cleared checks, yet they still refuse to release the funds. How can it be legal to lie about having the money, refuse on 48 occasions to even look beyond their first line computer screen, mistreat me, refuse to do due diligence, refuse to act as a " prudent man '', refuse to assist me for XXXX years, make me call back and speak to new person who has no idea what is going on every single time i call, hold the money, collect interest on the money, and now, with all the evidence provided them, continue to withhold the funds. They act as if the laws don't apply to them. They laugh at me when i tell them i will file a complaint. I have almost all the calls logged and on tape.
Product: Credit reporting or other personal consumer reports

I am seeking assistance with an inaccurate account showing on my credit report. This error has damaged my reputation as a customer, and I need your help to address it. These accounts are reported negatively and inaccurately and must be taken off.
Product: Credit card or prepaid card

I signed up for a promotion with Discover to get {$45.00} back if I signed up for a XXXX XXXX membership. I did so on XX/XX/XXXX and 3 months later I have not received my statement credit yet. Discover says that it may take 3 billing cycles since the end of the promotion on XX/XX/XXXX for the credit to be posted on the account, which feels deceptive and defeats the purpose of the promotion ( it feels as if you would sign up for the annual {$45.00} for free when you really have to pay it or have financial charges associated with this charge as you do not get the credit until 5 or 6 months later )
Product: Credit reporting or other personal consumer reports

In 2021, I purchased a vehicle financed through U.S. Auto Sales Finance ( USASF ). When the company transferred my account to Westlake Financial Services, I was incorrectly informed that I was behind on payments, even though I had made all required payments on time. Despite providing proof of payment, my vehicle was repossessed without justification. I was then told I needed to pay {$2000.00} to recover my car, which was eventually sold without my consent or proper resolution of the dispute. 

Additionally, I believe I may have been impacted by the issues highlighted in the CFPB lawsuit against USASF, including being double-charged for collateral-protection insurance and having payments misapplied to late fees or insurance instead of accrued interest. These practices inflated my balance and contributed to my vehicle being wrongfully repossessed. 

This incident has caused severe harm to my financial stability and credit. I am now unable to purchase a vehicle, secure housing, or obtain stable employment. I am requesting the removal of negative credit reporting related to this matter and a full investigation into the wrongful repossession and potential overcharges or misapplication of payments.
Product: Credit reporting

I received a letter stating that the XXXX XXXX XXXX account in not currently reporting ... yet I still see that it is reporting. If it states not reporting then it should not still be on the credit report.
Product: Debt collection

There are two collection agencies involved here. The XXXX XXXX XXXX XXXX XXXX-Collections and Transworld Systems Inc. 
Debt Amount was {$3500.00} original delq. date.XX/XX/XXXX At that time that agency tried to get me to agreement voluntary repayment with a signature for XXXX XXXX. I refused, I don't own them anything the bill The Transworld System Inc. treated me to pay the all with interest. I didn't give them or do business with them. I own them nothing, I don't own this agency nothing. They used the same logo that fall under the XXXX XXXX XXXX XXXX XXXX. 
U.S. DEPARTMENT OF THE TREASURY, BUREAU OF THE FISCAL SERVICE SET THIS BILL AS A SET OFF ON MY SOCIAL SECURITY ADMINISTRATION. TOP  trace, non-tax Federal Debt. I must pay you in anything other than appropriate commercial paper should the debt be proven valid because to my knowledge, the U.S. congress provided the appropriate solution for me to settle my debt via the remedy in House Joint Resolution ( HJR ) 192 of XX/XX/XXXX.
Product: Credit card or prepaid card

My Target Red Card credit card account # : XXXX has fraudulent transactions/charges on the account. My Target was lost/stolen and all the charges and transactions on the account are fraudulent and unauthorized. Target is trying to hold me responsible for fraudulent and unauthorized charges on my Target Red Card account that dont belong to me and isnt my charges.
Product: Payday loan

I obtained a payday loan from Speedy Cash XX/XX/2015for XXXX {$230.00} and was laid off when the loan became due. I contacted Speedy Cash and advised them. I received a phone call from a representative from Speedy Cash asking if I could pay my loan, I informed her that I was still unemployed and was not trying to get out of paying my debt with them. She said that she would refrain from collection calls and wished me good luck in going back to work. On XX/XX/2015 Speedy Cash drafted my account {$280.00} via electronic check without my consent or approval. I have since then closed my checking account with XXXX Bank here in XXXX,
Product: Debt collection

Collection Agency : Credit System International , Inc., XXXX XXXX XXXX, XXXX, TX XXXX. 

When it comes federal laws, they are written to protect consumers from unlawful business practices from agencies such as. I was not given sufficient time during the dispute process to get as much information regarding a medical debt. My understanding, I had already took care of matters with an XXXX. That was collected at the time of service XX/XX/XXXX. CSI sent original letter dated XX/XX/XXXX. I disputed the claim because I didnt know what debt was for. By law a consumer has up to 90 days at the time collection agency makes contact regarding an outstanding debt, before any reporting to the credit bureaus negatively. Federal Credit Reporting Act under The Federal Commission, section 623. CSI reported negatively to the credit bureaus while this matter was in dispute. The have violated my rights under the FDCPA and FCRA. I value my credit, and anything negatively reported should be removed. 

Please assist in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX
Product: Mortgage

We have 2 condos and we have an escrow account with our mortgage company. Recently I found out my mortgage company wrongly over deducted our escrow account to pay for 2-condo taxes in XXXX. I called the mortgage company and requested our money back on XX/XX/XXXX, and until today the mortgage company said all the numbers on its statement are true and correct, and it doesn't refund our money. 
Base on the statement the mortgage company had sent to me through email, in XXXX it withdrew 2 payments {$1300.00} for county tax on XX/XX/XXXX ( for XXXX XXXX ) and {$1300.00} for county tax on XX/XX/XXXX ( for XXXX XXXX ). 
Then 2 more payments {$2600.00} for county tax on XX/XX/XXXX ( for XXXX XXXX, full tax ) and {$2600.00} for county tax on XX/XX/XXXX ( for XXXX XXXX, full tax ). 
The 2 payment on XX/XX/XXXX and XX/XX/XXXX are only the correct taxes which we should pay to the XXXX county for XXXX, but the 2 other payments total {$2600.00}, both are on XX/XX/XXXX, are wrongly deducted from our account. 
From XXXX to present, I do many phone calls to its Service center, email its Tax department, email its Research department, but my request is not correctly answered.
Product: Student loan

I was a victim of predatory lending through XXXX XXXX ( now Navient ). I was given XXXX loans at 12.8 %, 10.25 %, and 10 % and at the age of XXXX and just recently graduated from college at XXXX. During this time I have accrued so much debt through student loans that I now owe {$170000.00}. I am unable to make my monthly payments and my federal loans have not even been added to my monthly payments yet. The company has not been willing to work with me to adjust my interest rates and have only offered to lower my month payments thus making me owe more in the long run. These interest rates are not what the next generation of students are being offer and have resulted in me being inundated with so much debt that I am unable to start a life after college. These companies need to be working with their older students who have been stunted by a very flawed system.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late 2020 I set up a my.equifax.com account and in the beginning all my accounts would be there to view, but shortly after opening the account all of my accounts vanished. I reported to them more than 10 times. They will not connect me to a tech support so I am having to deal with the inexperience of the people who answer the phones. Most do not even understand the subject of the call, I have to constantly ask for supervisors then they take my report and all end with nothing being done to correct this and every call ends with they will escalate this to tech support and this repeats every time I call them. I have been hung up on when asking for a supervisor, I have been told to delete my account wait 6 months then sign back up. Yes... wait 6 months but I did it because when AI deleted it i was never going to open it again. But out of bordom I signed back up and signed in and still the same issue. No accounts appear. However if I want to see that I have accounts I can click on file a dispute and there they are, all my accounts will show there but they dont show all the info in that account. For example and this is huge... read carefully...

Credit accounts You have 1 account items that may negatively impact your credit scores...

When I click on that link to see what that negative info is, it says on that page " You currently do not have this type of account. '' It should have named the negative account. So this is a problem. I dont know if this is identity theft since no information is showing. Just the statement that there is a negative in my report is not good enough for me to identify the account. 

So for almost 2 yrs I can't get anyone at equifax to take this seriously. Maybe this complaint will change their mind. But if the CFPB does nothing but collect reports then it will likely just go ignored like it has after more then 10 calls.

I have also been told to get my credit report sent in the mail. I dont want to wait weeks to get a report. I want them to fix my account on my.equifax.com but as of today its all the same. No accounts appear on the credit summery and the ones in the dispute part do not show all the info in it. Also my credit score on the account is missing. 

The email address on the account is XXXX and because I always have trouble even signing in I ended up with a second account that has the same issue XXXX XXXX
Product: Debt collection

My XXXX best friend XXXX XXXX gave me a XXXX XXXX XXXX with my name from His account so that I could help him take care of his business as he became wheelchair bound, he said he put me on his account as an authorized user so i could help him, we were best friends for 20 years, he passed away in XX/XX/2022 and by XXXX I'm being notified by a collection agency that this is now MY debt! Afraid my credit would get ruined I pay the debt first payment on XXXX the XXXX on XXXX and XXXX on XXXX paid in full but know it's not MINE I contact original creditors and they open a fraud claim and later find me to be NOT RESPONSIBLE for the debt. The collection agency doesn't want to hear this they don't care they got my money and tell me I'm not going to get it back! They have come up with every excuse to not give me my money back, I've asked to speak to managers and still they won't give me my money back. The total paid is XXXX being on total XXXX myself I need my money. What's strange is the original creditors never tried to bill me for this so how does it end up in collection in My name??
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX AND XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX  XXXX Date of request : XX/XX/XXXX XXXX XXXX XXXX Date of request : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of request : XX/XX/XXXX ;
Product: Mortgage

My client wanted to proceed with a short sale. We went all the way through the process of conducting a short sale, inclusive of appraisals, thousands of pieces of paperwork, and then discovered that there was a pre-existing home equity line of credit on the property which was overlooked by the predecessor to Seterus, the current mortgage holder. As such, the XXXX XXXX home equity line of $ XXXX had to be paid first according to the applicable law, and the rest of the available funds would be disbursed to Seterus. If Seterus was mislead by its title insurance company which insured the transaction, the claim against the title insurer still be an option, but to be considered first in a short sale IS NOT, pursuant to the applicable law. There was a Sheriff 's Sale scheduled in XX/XX/XXXX which I was able to postpone. I do not know the current status of the potential Sheriff 's Sale though I understand that it may be on hold. 

We filed a FORMAL QUALIFIED WRITTEN REQUEST according to the applicable law, received a confirmation of receipt from SETERUS and have not heard since. More than 30 days have gone by, so I called Seterus and was told that there has been no resolution of the issue or even an effort to get back to me within 30 days. The agent at Seterus stated that in his opinion, it is not necessary to get back to the requester in these circumstances, and if it is, the time frame would be 30 business days if there were a time frame at all. I find this to be contrary to very clear applicable law. We have a buyer for the property ready and waiting to purchase at a short sale. XXXX XXXX has likewise approved the short sale with its loan being taken care of first. The law is clear. But SETERUS does not seem to care about the law. 
Sincerely, XXXX 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 - XXXX  XXXX Account - XXXX XXXX XXXX Account - XXXX XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX XXXX XXXX Account - XXXXXXXX XXXX XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX XXXX XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX  XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX XXXX the following public record information is a violation of my consumer rights REF : XXXX XXXX  XXXX BANKRUPTCY The following addresses are also in violation of my consumer rights : Address 1 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX Address 2 : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX, XXXX, XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX., report number # XXXX
Product: Credit reporting or other personal consumer reports

There are multiple inquiries on my experian credit report that were not authorized to look into my credit history to extend credit or review my credit as my permission was not given, These fraudulent inquiries need to be deleted.
Product: Debt collection

They call every day, multiple times per day ( I have my call log save on my phone, so I have proof ). I have now had to block them from calling or messaging, as they call every day while I 'm at work, despite being told and asked multiple times to stop. Now, they just call and do n't say anything, but the calls keep coming.
Product: Student loan

My servicer for my federal loans is ( XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, XXXX ). I am enrolled in automatic debit by FedLoan Servicing for my student loans. I am enrolled in an Income-Based Repayment plan. I am also enrolled the Public Service Loan Forgiveness ( PSLF ) program. According to the PSLF program, after I make 120 payments ( 10 years ), then my federal loans will be forgiven. Last year, I enrolled in graduate school, and unbeknownst to me, XXXX XXXX placed my loans in deferment. I never consented to this, and I would have never authorized it if someone at XXXX XXXX had attempted to contact me. As a result of my loans being placed in deferment, I have lost out on ~12 payments into the Public Service Loan Forgiveness program. I complained to XXXX what has happened, and they have sent me documentation with many inaccuracies ( from XXXX XXXX XXXX initials XXXX  XXXX ). First, they claimed that they contacted me regarding placing my payments in deferment. I do not have any such documentation from them regarding this. Second, they claim that they are " required '' to place my loans in deferment if I am enrolled in school at least part time. These federal " guidelines '' state that my loans " may receive a deferment ... if your servicer receives information from the school you are attending that indicates you are enrolled at least part time. If your servicer processes a deferment based on information received from your school, you will be notified of the deferment and will have the option of canceling the deferment and continuing to make payments on your loan. '' Again, this is not a " requirement '' and I was not notified of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me, also a couple inquiries. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 


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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company from my information Experian. Please delete the following accounts. 

creditor : XXXX  Account Number : XXXX Balance : {$0.00} creditor : XXXX XXXX XXXX  Account Number : XXXX Balance : {$27000.00} Creditor XXXX XXXX| Inquiry XXXX Incorrect name ( s ) : XXXX XXXX XXXX
Product: Debt collection

in XX/XX/2012 I was XXXX in XXXX on a business meeting. I had a XXXX. I had XXXX there. I had very good insurance at that time and it covered most of my bills except for XXXX which I paid. then this charge showed up from XXXX who was the XXXX doctor at this time we, ve paid him everything we owed him yet this bill still shows up on my credit report. can you please help me? I, m using XXXX and XXXX