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

On XX/XX/2024, while I was at the dealership I was told to put cash XXXX XXXX XXXX dollars as a downpayment on a credit transaction. And then I was told I could not do the transaction if I didnt purchase a car warranty which made my payments increase. That is violating antitrust laws on all levels. Also credit acceptance would call me every day several times a day when my payments were late which was pure harassment. I have a copyright on my name and I dont give them permission to use my name XXXX XXXX and any derivatives of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX - Account # XXXX has violated my rights 15 U.S.C. 1861 section 602 A. States I have the right to privacy. 

15 U.S.C. 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have a 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 reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX
Product: Prepaid card

Was even a American Express gift card for {$200.00} the card is unusable anywhere not XXXX gas stations not XXXX not online anywhere card will not work. American Express offers no support no reasoning no time frame or what the problem even is
Product: Mortgage

I called Everbank to take them up on there offer the " XXXX Trial Period Plan ''. Since my house is in foreclosure. I called them on XX/XX/XXXX and the lady told me she would stop the foreclosure process and I told her I can call tomorrow with my paymentXX/XX/XXXX. So that is what I did, I made a payment to EverBank for {$350.00}. I thought everything was fine ( alot less stressed out I have been in my home for19 years and I have alot of equity built up and I feel they are taking advantage of me ) So I called back onXX/XX/XXXXand made another payment of {$350.00}. I asked the lady why they did not stop the foreclosure and she said they did and I said really that's why a sheriff sale was listed for my case on XX/XX/XXXX. She told me I needed to contact there lawyer? What? After I made my first payment on XX/XX/XXXX I recieved a letter from there attorney on XX/XX/XXXX stating that EverBank was still going to proceed with the foreclosure. I was lead to believe they was stopping the foreclosure while I was on the mod trial period. IMy relationship manager XXXX XXXX  told me the foreclosure is stopped, reaffirming more than one time that they stopped the foreclosure and told me I could make my payments anytime during the month. So now I am wondering why my house is listed for a sheriffs sale? I really thought my bank wanted to help me. They are dual tracking me right now and I have read this is not the first time EverBank has done this. This is why I am making this report cause I think what they are doing is illegal. Your help is greatly appreciated in this matter of me staying in my home or being homeless. Thank you! They have tacked on so many lawyer fees my head is spinning. I owed {$28000.00} before all this 6 years away from payoff.
Product: Vehicle loan or lease

I recently reviewed a copy of my credit report. And noticed inaccurate payment history on my report. Please remove this account from my report. It is hurting My ability to obtain credit
Product: Debt collection

I filed a Fraud Affidavit Police report for Identity theft with all three major creditors for Netcredit in XX/XX/XXXX. A fraud alert was added to all three credit reports to also include a freeze. 

Netcredit sold the loan to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX PA XXXX contact number ( XXXX ) XXXX They are reporting on the behalf of Netcredit derogatory payments. 

I also reached out to XXXX XXXX XXXX and explained that a Police Report was already filed in XX/XX/XXXX and that I provided the report to all three major credit bureaus as well. 

I have notified both the Creditor and XXXX that I have been disputed this as Fraud provided police report inXX/XX/XXXX. 

The issue at hand is that Netcredit keeps selling the fraudulent account to other Debt Collectors and I keep getting harass about the same Fraudently Activity since XX/XX/XXXX.
Product: Credit card

I recently applied for a platinum credit card from Amex on the online website which I know they run an automated system to approve and decline applications. I have a little problem with the denial which I gave a security which is collateral and I received no consideration for my value. In this process there was an offer acceptance and consideration which is a legal binding contract and a denial shouldn't even be a factor. According to American Express Issuance Trust ll as issuer and XXXX XXXX XXXX XXXX XXXX XXXX as Indenture Trustee and Securities Intermediary dated XXXX XXXX XXXX in the granting clause as stated, The issuer hereby grants to the Indenture Trustee for the benefit and security of the note holders and the indenture trustee, in it's individually capacity, a first priority security interests in all it's rights, title and interest whether now owned or hereafter acquired in and to the following ( i ) thru ( xiv ). It also states that the security interests in the collateral is granted to secure the notes. The agreement of parties also states for the establishment of the terms and conditions upon which the notes are to be authenticated issued and delivered and in consideration of the premises and the purchase of the notes by the holders thereof, it is mutually covenanted and agreed as follows for the equal and proportionate benefit of all the holders of the notes. For more information about the collateral pursue to the same Indenture dated XX/XX/2018 Article 2. Now with that said I gave you a collateral which was something of value which the trustee got security interests in the collateral and the underwriters also got consideration pursuant Amex underwriting agreement and I was denied my consideration and the reason was of a XXXX score that they got from a third party which was XXXX evidenced by an Amex inquiry on my credit files now according to Amex prospectus XXXX it states that they get they XXXX score for a third party but also says that they cant verify the accuracy of the XXXX score so at this point they are commenting secure fraud they got a security which they get security interests and a grant which is value and gave me nothing back in consideration over a XXXX score they state they can't verify the accuracy of which really doesn't have anything or was not on the binding instrument I furnished as a requirement. I have read Amex indenture, trust agreement, transfer agreement, servicing Agreement and pooling and service agreement and understand all.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , inc ). Do to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and, i seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681Account Name & Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, INQUIRY - XX/XX/2021, INQUIRY - XX/XX/2021, INQUIRY - XX/XX/2021, INQUIRY - XX/XX/2021. 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: Debt collection

D & A Services has continued to call my employer when my employer has told them more than once that I am not in the country and not permitted to receive these types of calls at work. I have no knowledge of what this could be about. To the best of my knowledge I have no outstanding debts. When they first called I returned their call and left two messages ; neither were returned. Their continued harassment of my employer is jeopardizing my job. I am receiving these calls from a man who states his name as XXXX XXXX from XXXX
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
EXPERIAN is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give EXPERIAN written permission to furnish these accounts : XXXX - XXXX {$6700.00} ( CHARGE OFF ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX - BALANCE {$2700.00} ( CHARGE OFF ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Credit inquiries unauthorized XXXX XXXX - Dates : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXXXXXX XXXX  - Dates : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX  - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit card or prepaid card

TD Credit Card # XXXX XXXX XXXX XXXX I was trying to use my TD cards the last few months but was not able to. After trying for a few months on getting through customer service, finally I was able to get through on XX/XX/XXXX. I was informed by customer service the account was closed and they could not do anything. I have been a long time TD customer, I never have received any notice regarding this account closurer. This is absolutely astonishing given the Cov19 crisis that I'm trying to use this credit card to purchase daily essentials.
Product: Debt collection

I am writing to formally dispute and request the immediate correction of an inaccurate late payment entry on my credit report. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
Upon a thorough review of my credit history, I have identified that other credit bureaus have accurately reported my positive payment history with this creditor during the mentioned timeframe. However, your bureau continues to display an inaccurate late payment entry, raising concerns about the accuracy of the information being reported.

It is perplexing that these discrepancies exist across credit reports, questioning the consistency and accuracy of the information reported by your bureau. I kindly request that your bureau conducts a thorough investigation into this matter to rectify the inaccuracies on my credit report. The Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of credit reporting, and it is essential that your bureau upholds these standards.
Product: Student loan

I have previously filed a complaint on XX/XX/2022. Moehela said that they did not handle loan foregiveness applications. According to Texas Department of Education, they are supposed to. My complaint is that I had my XXXX Foregiveness Loan forms filled out by the appropriate schools and sent to Moehela who is supposed to address them. I did not receive any correspondence back from them or their acknowlegement that they had received them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Capital One Attn : Payment Investigations XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request to Correct Inaccurate Payment History on Credit Report Account Number : XXXX Case Number : XXXX Dear Sir/Madam, I am writing to request the correction of an inaccurate payment history entry on my credit report regarding my Capital One credit card account. This entry has caused a significant drop in my credit score, from XXXX to XXXX, due to a misunderstanding in transactions when I was trying to close my bank account with an auto payment setup. 

The inaccurate entry includes a late payment and delinquent record of {$25.00} in XX/XX/2023. 
This payment was made on time, and the {$25.00}??? delinquent amount was credited back to my account. 
The drop in my credit score is a result of this misunderstanding and has impacted my financial standing. 
I have never been late on any payment in my lifetime, and maintaining a strong credit history is important to me. 
Enclosed with this letter, you will find a copy of my monthly statement, which clearly shows the credited amount and supports my claim. I kindly request your immediate attention to this matter to rectify the credit reporting error and restore my credit score to its accurate level. 

Request for a thorough investigation into the matter and Removal of the ( ( incorrect ) ) late payment and delinquent record. 
an updated ( 3 credit Bureaus report ) reflecting the accurate information ASAP. 

Thank you for your prompt assistance in resolving this issue. Restoring the accuracy of my credit report and credit score is essential for my financial well-being. Should you require any additional information or documentation, please do not hesitate to contact me. 
I look forward to a swift resolution and appreciate your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX XXXX, Last 4 ss ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm victim of Identity Theft. I'm filing this claim because Credit Bureaus are not doing their job in order to investigate existing problem. I am in total disagreement with your investigation response. The fraud items listed below still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

1 ) XXXX  XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX These are not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Product: Student loan

My grandmother is a cosigner for my student loans through Navient, which was bought from XXXX. Navient/XXXX led my grandmother to believe that she would be taken off my student loans as a co-signer due to my XXXX which accrued after signing for these loans. We have a copy of a letter dated XX/XX/2013 sent from XXXX on the procedure of how to be removed from the student loans. 

She received a letter dated XX/XX/2013 stating that she was not eligible to be taken off the student loans because she was a CO-SIGNER. When she spoke with XXXX/Navient in XX/XX/2013 to see what they could do for her situation, Navient told her they were not discussing the loan with her, even though she is the CO-SIGNER. 

She filed bankruptcy in XX/XX/2013 due to financial hardship and discussed this with XXXX/Navient representative in XX/XX/2013. Having these loans is a big financial hardship for her. Additionally, she accrued extra medical expenses to have the doctor fill the form out that XXXX/Navient requested. If requested, we have the Attending Physician 's statement. 

This is causing her a lot of XXXX between family. We have done all that was requested of us to satisfy XXXX/Navient, She should not be punished because they decided to change their policies midstream which it took XXXX/Navient 4 months after I sent in the paperwork to send me a denial. She was told she could be removed back in XXXX and she expects that to happen. When did these policies change before or after my submission of documents? I hope you can help me attain that goal. Please let me know if you need any additional documentation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unreasonable. The CFPBs findings indicate Zelle had not only neglected to protect consumers but also allowed repeating offenders to exploit the system, leaving users vulnerable to the scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Mortgage

I lost my job and my mortgage lender sold my account to a debt collection company specializing in foreclosure. This debt collector got my account when I was five payments behind on my mortgage. From that moment forth they have told me they wan na help me modify my mortgage and do whatever is possible to keep me in my home. For the past 30 months I have sent them all my financial documents every time I gained employment, I have showed them several different ways that I am capable of paying my mortgage and an additional monthly determination to pay back the default amount. Each time I give them supporting docs They dispute the documents and keep collecting their monthly fees. The fees are 1.5 times my monthly mortgage payment per month. In the past three months I owe {$45000.00} in back mortgage payments and {$77000.00} in fees. I thought they were trying to help me, but it seems like they are helping themselves. I have done research on the company and they are dropping me as they have many thousands of people.they dispute the documents and keep collecting their monthly fees. The fees are 1.5 times my monthly mortgage payment per month. In the past 30 months I owe {$45000.00} in back mortgage payments and {$77000.00} in fees. I thought they were trying to help me, but it seems like they are helping themselves. I have done research on the company and they are dumping me as they have many thousands of people They are forcing my foreclosure and I was told to ask somebody for help. I have recently filed another appeal with Selene finance. They have told me from day one they were going to sell my house and I think Im at my wits end with them and Im not sure what to do. I can afford my mortgage but my credit is low and I can not get refinance. With this bank is doing to me is wrong, Im not sure if its a legal. I dont think they ever wanted to help me, I genuinely believe their intent was to sell my house when they knew the value was greater than the loan amount. I dont think it is fair of them as a debt collection company to not except payments from me besides the final amount which they kept increasing monthly. I have lived in this house for almost 20 years, and before this happened I had only missed a couple payments. These people are unfairly taking advantage of me.
Product: Debt collection

While making regular payments on a hospital bill, the debt was turned over to a debt collection agency, namely UCB Inc. ( United Collection Bureau incorporated ), they only take payments by check, however the credit union I do my banking with doesn't provide checks only leaving the option for online payments via debit or directly from the account. UCB does not support linking an account number for electronic checks, and they charge a 3.5 % convenience fee for card payment processing. They make it very difficult to " convert '' a transaction to avoid incurring such extra charges and must be done each payment on a case-by_case basis. This is extremely unfair as I feel the debt should not have been turned over to them in the first place.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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.