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

I purchased my XXXX XXXX XXXX in XXXX  at a cost of approximately {$24000.00}. I gave the car company a {$4000.00} down payment on the vehicle. The car is financed through Consumer Portfolio Services ( CPS ). They are the only finance company I have had on the vehicle. I have made payments on the vehicle for the last FIVE YEARS and I still owe {$17000.00}!!!! I have made over 150 payments over the past 5 years on my vehicle at {$610.00} a month and the difference between now and 5 years ago is only {$7800.00}!! I have discussed this issue several times with CPS and the only excuse they give me is that if I pay late then they don't apply the payment to the prinicpal. It goes directly to the interest and late fees! I should own this vehicle by now and all I have to show for 150 payments at {$610.00} a month is a balance of {$17000.00} dollars!! In addition to the misappropriation of payments, my former account manager, XXXX XXXX, harrassed me so bad about a date change to an arrangement I made that I had to write a complaint to the company 's board of directors. Please look into this issue as this is clearly PREDATORY LENDING and this company needs to be stopped for not only their lending/financing practices, but also for harrassing their customers.
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion credit report continues to show 2 missed payments for the months of XX/XX/XXXX and XXXX 2016 for XXXX XXXX reporting as XXXX XXXX despite 3 disputes to TransUnion not only by myself but also from XXXX XXXX General Counsel for XXXX XXXX requesting that the reporting reflect no missed payments as this is incorrect information. 

Despite receiving my personal disputes on 3 seperate occasions and 2 faxes from XXXX XXXX General Counsel XXXX XXXX  requesting correction to my credit bureau after 1 year of disputes by both me and the creditor TransUnion has continues to wrongfully report this account to my credit bureau.

Below is a copy of an e-mail from XXXX XXXX General Counsel sent to Transunion for a 2nd time on XXXX-16.

XXXX XXXX 
   Reply all|
Wed XX/XX/XXXX, XXXX XXXX XXXX XXXX 
Inbox
Dear Mr. XXXX:
 
I confirmed that we updated your information via XXXX, which should go to all the credit bureaus.
 
Best regards, XXXX
Product: Credit reporting or other personal consumer reports

So for a year now Ive been trying to dispute this XXXX balance of XXXX $ on my credit Report and have not been successful with getting this deleted. The debt is not accurate! Theres no way whatsoever its being verified as accurate and coming back verified. Ive even tried to contact XXXX myself to inquire about this debt because their number is listed under the collection account on my report not a debt collectors. XXXX advised me via telephone they have no knowledge or information on the debt. And yet no Collection agency information to provide me. Its because this debt is not accurate and in no way verified. This violates the FCRA! I cant get anyone to give me information on this account I owe. I have no knowledge of these charges and this balance due. I am requesting it to be removed. The credit bureaus are not doing their job with this. There is no way this debt is accurate.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I used my Cash app Card to pay a down payment on a car for XXXX XXXX on XXXX XXXX. I ended up not getting the car and was refunded the money but never received the refund XXXX, 2023. I contacted cash app on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX via chat support each time I was advised they received no refund, had no additional information, I was told to contact the merchant, my dispute was denied. I have also called in XXXX and XXXX and each time I was told by phone that no refund was received. I have been told the same thing through email as well. I reached out to XXXX XXXX several times and was advised that they have done everything on their part and that the refund cleared on their end.
Product: Credit reporting or other personal consumer reports

My information was disclosed to a third party without my permissible purpose and my name is copyrighted ( XXXX number XXXX )! As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( XXXX ) that I, ( XXXX XXXX ), XXXX have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. 


***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I contacted the compay to advise I was impacted by COVID ( owner of business died and my son 's father lost his job as a result. I lost income and was responsible for all bills ). I asked for my options to pause payments and requested a payment pause. In XXXX, I was able to resume payments and found my loan was 120 days past due. When my auto lease was due to be turned in, I was shown my credit score, which was severely impacted by missed payments on my student loans. I contacted the company and made payments. I was told I was only due for XXXX, which is not XXXX due and should not have been marked late prior to XXXX. Additionally, the company sent me text messages saying they are processing a Repayment Discharge. I feel Nelnet 's practices are confusing, as when I make payments, I am unable to see how they are being applied since they split the total into 2 loans. Therefore, when they mark a payment late for credit reporting, it's 2 separate tradelines with negative reporting for the same payment, which is more negative to consumers. The confusing and misleading information communicated by Nelnet is harmful to consumers and has had a huge, negative impact on my credit and ability to secure affordable borrow terms on future credit transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM AWARE OF MY RIGHTS under section XXXX of the fair credit reporting act when a consumer provides proof of identity theft that this information must be thoroughly investigated and removed from a consumer 's credit report. I am a victim of identity theft the accounts and inquires mentioned were never initiated by me at any given point and are NOT MINE.
Product: Credit reporting

While checking my credit report I found an entry from a " XXXX XXXX & XXXX ''. on my credit report. On XXXX, I sent a certified letter requesting validation. I have NOT received a valid response. In a letter dated XXXX, I disputed this entry with Equifax. Equifax replied in a letter dated XXXX, that they had " Verified '' thee above entry.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXXXXXX XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. $ 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. $ 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the below disputed accounts or items 2. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated time frame. 

I want reported accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ladies and Gentleman : I noticed there some unsure activate with my credit card for awhile, therefore I closed my credit card for over a year, recently there is potential Business breakthrough opportunity with my company. So I reconsider to apply a Credit Card, but I got rejected from my Bank, the reason is Current past due, I have both checking account and saving account at my bank and have about {$70000.00} Cash at account, never have any later payment in my history. How could I have current past due? my application ID # XXXX I ask you are take look at my account and history again, please.
Product: Credit card or prepaid card

During the evening of XX/XX/2021 I phoned Capital One about a problem I was having with interest being charged after my card was paid off and brought up to date. I got no resolution with the initial representative I spoke with so I asked to have the matter escalated. A supervisor took the call and several times interrupted me while I was trying to explain something to him. Not only did he interrupt me he continued to talk right over me. He then told me that I was interrupting him. Angry with his intolerance, I told him to go and XXXX XXXX himself. He terminated the call with me when I told him that I stood by what I said. This person was both rude and inconsiderate. If this employee were mine, I would terminate his employment. 

A couple of days later I received a letter ( attached ) from Capital One ( Capital One Case # : XXXX ). I'm not going to repeat what is in the letter. I think it speaks for itself. The letter Capital One wrote is provocative, threatening, demeaning, and intimidating. Capital One threatens to terminate their business with me not only on the account I was calling about ( ending in XXXX but all of my accounts. I feel threatened by this letter and I am furious to say the least. 

Suffice it to say that my interest overpayment was not refunded. 

At this juncture I am not certain that I want to continue my banking relationship with a bank that treats its customers in the way Capital One sees fit to do.
Product: Student loan

I graduated from XXXX school on XXXX XXXX, 2017. In XX/XX/XXXX, I received a letter stating that my in-school deferment was ending sometime in XXXX and that the company would send me an additional letter with payment schedule ( which I never received by the way ). On XXXX XXXX, 2017, I tried calling Navient to place my account on a three-month forbearance. As I am studying for the XXXX XXXX XXXX which is being administered on XX/XX/XXXX and XX/XX/XXXX, I am unable to work full-time and earn income to repay my student loan until XX/XX/XXXX. All I asked is that my payments be postponed until XX/XX/XXXX. I spoke to two separate representatives from Navient advised me that it would cost me a " one-time '' fee {$50.00} to place my loan on forbearance. This fee would n't be applied to the principal of my loan, it appears that it would just be pocketed by the company. Mind you, my student loan payment is {$70.00} per month. If I do n't have an extra {$70.00} to make my XX/XX/XXXX payment, I do n't have an extra {$50.00} to pay a forbearance fee. The company refused to waive the fee and threatened to go after my co-signer if I do n't make my payments. Additionally, the customer service representative proceeded to ask for my checking account information, which I refused to give in fear that the company would make an unauthorized charge on my account. Essentially, the company is setting students up for failure who are trying to be proactive about obtaining a forbearance in advance of accumulating missed payments. This is an unfair business practice, as it appears that instead of working with borrowers who are struggling to repay their loans, Navient is capitalizing off of their financial hardship instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I filed a dispute with Experian in regards to a debt with The loan servicer, XXXX. In my dispute I argued I've never taken a loan out with XXXX, I don't know them and never signed a contract with them for a student loan. 

To this day, the debt still remains on my credit report as deferred because XXXX supposedly reported certified information to Experian as accurate. Therefore the information was not changed. I'm not sure what certified information they could have used to show the information reported as accurate however I have yet to see any such information. It is clearly false information since I have never heard of, seen or signed any legal documents with XXXX. 

The loan amount balances : 1. {$54000.00} 2. {$4000.00} 3. {$2200.00} 4. {$4400.00} 5. . XXXX XXXX. {$670.00} I have no idea why these loans exist on my credit report, however I would like to resolve this issue as quickly as possible. This is a case of stolen identity.
Product: Checking or savings account

I was employed at a bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, Ca XXXX. From XXXX through XX/XX/XXXX. In XXXX XXXX I received a letter from the Social Security XXXX, informing me of a potential private retirement benefit. The Plan name : XXXX XXXX XXXX XXXX  Pension Plan. Plan Administrator address : XXXX XXXX XXXX. XXXX XXXX, Ca XXXX. Plan number : XXXX Year reported : XXXX Estimated amount : {$170.00}. Type of benefit " C '' Life annuity, Payment Frequency : monthly. I strongly believe there is an annuity plan in existence. XXXX XXXX XXXX was bought by Washington Mutual Bank, and then taken over by Chase Bank. Chase Bank, I factually know has JP Morgan handle all retired employees retirement plans. I have tried to track down this plan with no luck to date. I have a very strong hunch that my sister, XXXX XXXX XXXX, has hijacked my retirement plan. She has been impersonating me and committing crimes against me. If you google her or other internet sources, she goes by the name : XXXX XXXX. To me, that alone is very suspect. I am her only sister and she actually assumes my legal first name : XXXX, as her alias. I have other reasons to believe it is my sister who took claim to my retirement account. She has a history of stealing from me, she impersonated me when I was employed at XXXX XXXX. 
She gained access to my employee account and changed my payroll and retirement benefits and took out hsa distributions on two occasions. She has a long history of mistrust and deceit.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I received {$2500.00} and was led to believe that I only needed to repay {$2700.00} in XXXX  months when I spoke to the rep. I did not realize that they take payments at a usury interest as they were going to take {$460.00} every XXXX weeks for XXXX  months. After I made XXXX payments, I asked what was the repayment amount. They said at least {$5600.00} cash which is over 100 %. Then they came down {$4000.00}. But did not take into account the {$1500.00} I already paid. If I had known they operated this way, I never would have taken the loan.
Product: Credit reporting or other personal consumer reports

I need a valid proof of the debts and never received
Product: Mortgage

I currently have an overage in my escrow account in the amount of {$8800.00} & I have been making my request for a refund since XX/XX/XXXX & i called at the beginning of XXXX & i was told that an escrow analysis had to be done before the refund could be sent out & it still hasn't been complete & or started.. I have been lied to over, over again. everytime i call I only get excuse/no help nobody is on the same page.. I have called XX/XX/XXXX, beginning of XXXX, XX/XX/XXXX & XX/XX/XXXX still not help.. every time I call someone has a new story & never a solution.. I was told that if the overage is more than {$50.00}, I should get a refund.
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. 
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. 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.

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: Vehicle loan or lease

On XX/XX/XXXX we purchased a XXXX XXXX XXXX XXXX XXXX  from XXXX of XXXX XXXX, FL. I live in XXXX, GA and saw the vehicle on their website. They did a Face Time to show me the vehicle and because I couldnt see everything up close, I asked them if there was any body damage or dents, and if the headlights were clear. They assured me that there were no dents or body damage, and that the headlights were not cloudy. In fact, the salesman said they had someone clean the headlights. When I received the vehicle, this is what was wrong with the $ XXXX vehicle I had just purchased : 1. Body damage in the amount of {$750.00} 2. Headlights were not clear ( part of the {$750.00} ) 3. The 2 rear tires had a XXXX manufacture date and were dry rot and worn and had to be replaced - {$650.00} 4. Replace Battery in the key fob - {$8.00} Further, when I realized that the vehicle didnt have a sun roof, they quoted me a price of {$850.00} to install a sun roof. They charged me {$1300.00}. I have called repeatedly and left messages for the manager to call me and havent heard anything. XXXX XXXX XXXX XXXX engages in deceptive practices and took advantage of me as a senior citizen and XXXX veteran. I have invoices to show that I paid for the body damage, 2 Tires and a battery for the key fob. I feel the difference in the price of the sunroof should not have been added into the loan and that the cost of the body damage and tires should have been deducted from the price of the vehicle.
Product: Mortgage

I purchased a home in XXXX, XXXX immediately after my divorce in XX/XX/XXXX. In XX/XX/XXXX, I had to relocate to XXXX, XXXX for my job so I rented the house and subsequently went through a nightmare situation with the renter, who did n't pay me for a while and finally did leave. I then put the house on the market and several months after, realized that any offer I would be able to obtain would require me showing up to the closing table with several thousand dollars that I did not have. So I started into the short sale process with US Bank, Account number XXXX, property address XXXX XXXX XXXX, XXXX, XXXX XXXX. After several months I finally received approval from them, and we began to collect offers. We went though several iterations of getting an offer, beginning the negotiation process with US Bank, the entire process taking so long that the buyers would walk away. Even one buyer invested money in fixing the house up so that it was pass inspection for his lender, but we could never get a response on the offer from US Bank. So the buyer walked away, we found another buyer, then US Bank would say my paperwork had expired and I had to reapply. So I would do that, several months later get approved again, obtain another buyer, only to have it fall through because of no response from US BANK. At this point we are approaching three years since I began the short sale process with US Bank. The home has been sitting empty and is nearly falling in at this point. I live hours away and can not maintain it. The most recent offer came XX/XX/XXXX and was for XXXX, the bank had stated the offer needed to be at least XXXX for it to work. Months after submitting the offer, the bank told me the paperwork had expired and I had to reapply for short sale approval. I did this and only a few months ago got approved, the buyer was still interested. So we started moving along and then my representative quit US Bank, the last email she sent was saying that everything was approved, and we were just awaiting approval letter. Now they are telling me it is n't even approved, even though I have an email from this person saying it was. My house has declined in value so much at this point I do n't know I can ever get another buyer. I have been threatened with foreclosure multiple times even though I 'm doing everything for short sale. My understanding is that other people in this situation are able to get through the short sale process in about a year, and I 'm approaching three. I qualify for this program due to relocation for my job, so I 'm not sure why US Bank is treating me this way. The damage that has been done to my credit is something you ca n't imagine, I could n't get credit for anything at this point. Even my car insurance rate is through the roof, I have no access to any credit in case of an emergency, and when I had to trade cars last year I was nearly declined even for that. I now pay more than anywhere near fair market rate because of this situation. XXXX XXXX. I really hate filing this but honestly do n't know what else to do.. plenty of other people have been able to sell their house via short sale, I 'm not sure why not me.