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

I was not aware of being signed up for Auto Pay Plus when I got my loan through the auto dealership I recently found out that my payments were being automatically withdrawn from my account by a third party Auto Pay Plus so I looked them up and I see that there are fees for using their service a program fee monthly fees yeah yeah I added it up it was over just under {$500.00} since the beginning of the year besides the accelerated payment was just made and all of the program fees were already satisfied so they were not able to cancel and give me my money back but they could cancel without a refund. They reassured me that the first accelerated payment they made went all towards principal I looked up on their website and it also says that they guarantee that the accelerated payment goes all towards principal because and not interest. I went and looked at my statement on the loan 's account page for the financing company it shows the payment was made on the XXXX of XX/XX/year> and go to autopay Plus 's website says the accelerated payment was made on that day same amounts and but on my credit union page it shows that only a portion of that accelerated payment went towards principal the rest went towards interest. I don't have any paperwork from the dealership that says anything about using a third party or Auto Pay Plus or any fees I don't recall receiving anything from auto pay plus regarding anything I definitely did not get a text from them saying hey you were signed up for this read over this etc. I believe both the auto dealership and Auto Pay Plus need to be held accountable
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are still reporting the XXXX XXXX account ( # XXXX ) to my consumer report. According to the FCRA 15 usc 1692d, they are hendering my reputation. They are also in violation according to 15 usc 1681b ( 2 ). I am the original creditor and the natural person. I did not give them permission to furnish my consumer report.
Product: Money transfer, virtual currency, or money service

I paid for a service provided by a third party via PayPal using my credit card and PayPal never paid the company nor have they refunded the money back to my credit card
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017 I made an online payment from XXXX XXXX XXXX to pay my mortgage to State Farm Bank, the payment never got applied. I called State Farm at least 10 times about the payment, every time I called them there was a different story. At one point as rep said they found the money in the cash reserve and that State Farm was going to apply the money to my mortgage the following month. I did not realize the payment never got deposited until I got a late payment letter in the mail. I called State Farm and they told me that they never had the money that the money was deposited in XXXX XXXX. I called my bank to see if we could stop payment but the check was already deposited. I called XXXX XXXX to see if they had the money, they said they have no record of ever having it deposited. I called my bank and they told me I needed State Farm Bank to sign and affidavit. I went to my local agent since State Farm is not a brick and mortar. After a few weeks my agent said State Farm refuses the sign. I called my bank ( XXXX XXXX ) and they said they can not do anything until we get that affidavit signed I have a hard copy of the check written out to State Farm Bank and the back of the check stating it was deposited by XXXX XXXX. I am at wits end and frankly want my money back.
Product: Credit reporting or other personal consumer reports

On XX/XX/, I contacted the agency. When speaking to a representative, I made a simple request to remove comments from the account. The representative stated to me that in order for the comments to be removed, I needed to pay the account in full. 

This is a violation of FCRA! 

I am no longer disputing the account and have not disputed this account for a while. I was simply asking for the comments to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Equifax and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing significant distress. I trust that you will prioritize this issue and resolve it in a timely manner.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

Complaint Details Within the past month US Bank has incorrectly charged me 13 overdraft fees for a total of {$460.00}. This began because I had placed a stop payment on a check for {$180.00} that US Bank allowed to go through. Since that transaction has gone through I have not been able to recover my account as I am on a tight budget as a single mother of XXXX. Because of these excess fees there is no way for me to get my account back on track and stop the overdraft fees from occurring. I had placed a stop payment on a check amount of {$180.00} that had correctly stopped one attempt at the check, however they allowed the payment to go 2 weeks later, causing my account to go continually into the negative. As a single mother of XXXX I am on a very strict budget so allowing that payment to go through created two weeks of continual overdrafts as most of my bills are set up to come out automatically. I called US Bank on numerous occasions and asked that they not allow transactions to go through if the funds were not there and was told that my account was set up to decline transactions where there was not funds, however this was NOT the case. There is absolutely no way to get my account back into the clear if they are continually charging these excessive fees. I was charged {$36.00} on a {$2.00} transaction. This is beyond excessive. I understand why the overdraft fees are set in place and would understand paying one. But 13? Over one check that should have never cleared in the first place? I have asked for US Bank 's assistance and they have declined
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. In addition, 15 USC 1681 s-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 in accurate.
Product: Credit reporting or other personal consumer reports

Hundai Motor Finance tarnished my credit in spite of me paying off the loan. I have made numerous attempts to clear and dispute the error but have not received any response. I also disputed with credit bureaus all XXXX and they said to contact the creditor. I am attaching the letter Hundai sent me showing I paid off my loan. This has been affecting my credit since 2019 and recently when I applied for a new vehicle recently and they mentioned hundai!. It continues to come up on my credit report and I have evidence from Hyundai document, see attached form. I sent that letter to credit bureaus and hyundai several times and nothing. 
Hope you can help. 

Thank you!
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Capital One on 08/2023 under the account numbers ending in XXXX and XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX, another auto loan at XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX Credit cards from XXXX XXXX ending in XXXX, XXXX, XXXX, and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I don't recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
CFPB
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing in response to a credit report that I recently received, which suggests that I owe you some amount. However, I have not received any documentation or proof substantiating your claims, and I demand that you dismiss all such claims and remove any injurious reporting ( s ) against me. If the reported item ( s ) are potentially deficient in the mandatory document evidence of physically verified factual proof of the truth of the claim, the truth of reporting, the accuracy of the claim, the correctness of reporting, completeness of claim, the fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility elsewise of the reporting, and/or the complete and perfect certified Metro 2 format reporting standards, I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer. 

XXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXXXXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files!
Product: Credit card or prepaid card

A company continuously charged my account without my consent. I filed a complaint with cc company and they reversed the charge for it do be back reversed. I paid for services i never received. I was supposed to get one hour of XXXX  every week. Four of the weeks I was there at XXXX XXXX XXXX i recurved no therapy. I was to be issued a refund but they never gave it to me. I paid deposits that were also never refunded. I was discharged against my will from their program. I had paid for four weeks of treatment i never received. Citi put the burden on me to prove they didnt provide me with the service they clearly did not provide. I did not willingly leave their program. They ended the contract on their terms meaning I should be refunded 100 % of all payments made. They charged my CC 3 times without my authorization. They scammed me.
Product: Checking or savings account

On XX/XX/XXXX the account was charged an overdraft fee when not overdrafted. The account was at {$16.00} AFTER a {$36.00} overdraft fee was charged. The next day the account was charged another overdraft fee after a different purchase put the account in the negative because of the fees. There was a deposit of {$370.00} that put the account back in the positive. 

On XX/XX/XXXX, the account was hit with 5 overdraft fees for {$180.00}. The account after the purchases were made was at {$130.00} and only went negative because of the excessive fees. The account was then at - {$50.00}. I transferred {$300.00}, which did not post until the XXXX. 2 more overdraft fees were incurred on the XXXX. The account is currently negative at - {$130.00} because of {$320.00} of overdraft fees. At most, the account should have been charged 1 overdraft fee on XXXX but that also would not have happened if not for 2 dubious overdraft fees on the XXXX and XXXX. 

I have contacted the company and filed a complaint with XXXX as this is the 2nd time the company has appeared to use creative accounting to maximize fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I moved out of XXXX XXXX XXXX and paid my move out fees with a cashiers check. Due to bad record keeping they did not update the account. 

In XX/XX/XXXX I received a notice, from Pro-collect stating that I did not pay the debt. 

I contested this debt with XXXX, XXXX and XXXX who all determined it was invalid. 

XX/XX/XXXX. I apply for an apartment and I am denied because this is on my " XXXX XXXX XXXX Report. '' I challenged it with XXXX XXXX XXXX who said they will not remove it because Pro-Collect claims they did not receive payment. I asked their customer service agent about the proof i submitted and they stated that they only forward it to the reporting agency. Even with proof XXXX XXXX XXXX does not remove incorrect or false information.
Product: Vehicle loan or lease

I received a letter from Ally Financial regarding a XXXX XXXX XXXX that I purchase for my eldest son. The letter outlined how to create an online account. I began attempting to create an online account on XX/XX/XXXX. I was unable to successfully create an account because I used to have an account with Ally for a XXXX XXXX XXXX that has been paid off for over a year. I have made several phone calls to Ally to get this issue resolved. My wife has her car loan through Ally, which we pay bi-monthly through our bank through automatic payments. Ally doesn't charge a pre-payment penalty and this greatly reduces the length of the loan and the interest that I pay. I have no statement from Ally that gives me any of the account information. The only way to pay the bill is through their phone system, which charges an additional {$4.00}. I was told that they waived the {$4.00} for making the first payment through the system ; but I can not verify that, because they are refusing to do what they need to do to get me access to the account information. I have spoken with several managers who have assured me that it has been escalated ( twice ). I keep getting told XXXX business days, but it is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I obtained my credit report and found there was an account listed on my report for XXXX XXXX in XXXX XXXX. 

I was a patient there, on XX/XX/XXXX which I later confirmed through the hospital / via email. Since then I filed a dispute with all three XXXX, XXXX and Experian as they appeared on all three reports. The information was supplied to all three by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. My subsequent dispute was simple, the debt should have been removed as it was XXXX years years old. I had to for the 2nd time dispute different information with Experian, as they had my Birthday and name incorrect. I was born in XXXX, Experian had my Birth year as XXXX, and my name as XXXX XXXX, they added my middle initial to my first name, ironically making me a female ( XXXX ) is the female version of XXXX in XXXX and in many XXXX XXXX   families. 

Both XXXX and XXXX removed the XXXX account Experian did not, and in-fact verified the information as " accurate '' I don't know how they could claim the information was verified as accurate. I filed another dispute with Experian via mail, provided the information from the original creditor ( XXXX XXXX ) a copy of my social security card, my Nevada Identification ( Real ID Version ) and a copy of my W2 to confirm the address. Again they came back and stated " Verified and accurate '' with the account being opened in XXXX of XXXX. Approximately a week later I received a form letter stating " I would have to confirm my address, and my identity before they would send any information to my address ''. They did not ever read my correspondence everything they asked for to " confirm my identity '' was already included. 

At this juncture it's painfully obvious that not even the minimum " investigation '' was performed, no one ever read the letter. The debt is being re-aged plain and simple. I would think when the original creditor confirms you were not even a patient there during their stated time the account was " opened '' would be considered prima-facia evidence nothing is being done correctly.
Product: Money transfer, virtual currency, or money service

Google charged me twice without an explanation and when I asked for a refund they denied it.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the statute of limitations in my state, this account should not appear on my credit report as they have been on there for 13 years. Please remove them from all three credit reports. Thank you!
Product: Credit reporting or other personal consumer reports

MY IDENTITY HAS BEEN STOLEN AND THE ACCOUNTS THAT I HAVE LISTED IN THE ATTACHED DOCUMENTS WERE NOT AUTHORIZED BY ME
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account ( s ) below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX 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 states a consumer reporting agency can not furnish an 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 consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The consumer reporting agency violated my federal rights by running a credit check on me multiple times from June 2022- January 2023 without my permission when the vehicle was first leased in 2021 which should have been the only time the consumer reporting agency ran my credit, no reason for the consumer reporting agency to run my credit 4 times a year after buying the car and without my permission.

The consumer reporting agency also violated ( Cal. Bus. & Prof. Code 7507.9 ) by not giving me notice for my personal property inventory within 96 hours of repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations item unknown XXXX, XXXX  XXXX XXXX, XXXX, XXXX inquires that i'm not aware of
Product: Credit reporting or other personal consumer reports

During my car loan application process, my credit report was accessed 11 times in a very short period, all within XX/XX/year>, and XX/XX/year>. I understand that when applying for a car loan, my credit may be checked, but I believe the number of inquiries made in such a short span of time is excessive and has negatively impacted my credit score. 

The details of the inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX I understand that multiple lenders might check my credit during an auto loan application process, I was not fully informed about how many times my credit would be accessed. As a result, these multiple inquiries have negatively impacted my credit score. Since they all stemmed from the same car loan application process, I believe they should be considered as one inquiry and the additional entries should be removed from my credit report.

I respectfully request that these inquiries be investigated and deleted from my credit report to reflect the fact that they were related to a single loan application. I also ask for confirmation that the corrections have been made.
Product: Vehicle loan or lease

i purchased an atv from a woman that her husband had passed away. he was the XXXX listed on the title along with XXXX XXXX  as the lien holder. the title was lost at some point but i have a oregon bill of sale, copy of the will stating the wife was the sole beneficiary, a signed and notarized XXXX statement of ownership from the wife, copy of the death certificate. XXXX XXXX  closed down a few years back so i contacted hsbc us and they directed me to the titles dept which will not respond to my e-mails. it has been nearly a month with over XXXX emails sent with no solutions to my problem yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive never had an account with the company ( XXXX ) This account has been deemed Inaccurate and has already removed once and by law, once removed cant be added back to the consumer credit report.