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

I usually do my monthly payment on TD Auto Finance website. On the XXXX XXXX XXXX XXXX, I made payment through TD Auto Finance website. The payment made on the XXXX XXXX  XXXX was meant for XXXX bill. However, TD Auto Finance denied they receive the payment. After consulting with TD Auto Finance, I was instructed to go to my bank ( Toronto Dominio Bank, aka TD Bank ). So, I went to my bank to get a printed copy of my bank statement which shows that payment was made and confirmed by Toronto Dominion Bank ( TD Bank ). I was also instructed to send copy of the bank statement to email address provided to me by employee of TD Auto Finance. And I sent the email on XX/XX/XXXX. But the XXXX is still reading as unpaid, and I believe it would have been reported on my credit report. 

I have reached out to TD Auto Finance at least 3 times to resolve this issue ; each time, the representatives insisted the money has not been paid. At this point, I don't what else to do. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Product: Credit reporting or other personal consumer reports

I reach out to XXXX XXXX and Transunion in the year of XXXX this account is over the 7 year statue of limitation my last payment was XXXX of XXXX which the have updated this account but not remove this account I also sent letters to the creator with no response letters returned back to me
Product: Mortgage

Wells Fargo has refused to file CRA history to my records as co-mortgage holder after a bankruptcy discharge in 2007 and a signed reaffirmation agreement with original deed holder. We have tried for several months using USPS certified mail, email, phone and attorney conversation to have this issue corrected. This has affected our refinancing of our property and my ability to obtain credit from other creditors.
Product: Credit card

I purchased an item from XXXX for {$320.00} on XX/XX/year>. Upon receiving the item, I discovered it was damaged. I promptly contacted XXXX, provided them with multiple pictures of the damage, and followed their instructions to return the item. They issued a FedEx return label, which they purchased, for me to send the product back. 

I returned the item using the provided label, but XXXX misdelivered the package. Since XXXX purchased the return label, they are responsible for resolving shipping issues directly with XXXX. Despite this, XXXX claimed they did not receive the item, and I filed a dispute with Chase to resolve the issue. 

Chase sided with XXXX, stating that there was no record of the return and that the merchant had not received the item. However, their investigation ignored the fact that I fulfilled my obligation by returning the item using the label provided by the merchant. Additionally, Chase failed to consider that XXXX, as the purchaser of the label, bears the responsibility for resolving the shipping error with XXXX. 

I believe Chases decision is flawed because I acted in good faith by promptly returning the damaged item using the provided return label. The responsibility for the misdelivery lies with XXXXXXXX XXXX XXXX and I should not be held accountable for a situation entirely outside my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Experian asking them to look into inaccurate information that I found on my consumer report. There has been no response and no updates that these accounts are in dispute, it has been over 60 days since and still no response. My information was compromised because of the XXXX data breach and I want these accounts deleted immediately as they have cause me great stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX letters to all three credit bureaus pleading with them to correct my credit reports. 
I have never lived at : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never had a XXXX XXXX  or XXXX  account.
Product: Debt collection

XXXX XXXX XXXX XXXX office in XXXX XXXX SD, office of XXXX XXXXt has in the past sued me alone for my wife 's medical bills totalling $ 16,000+. They told me I would not win in the lawsuit so to just accept it and not even bother going to court. They garnished my wages for her debt, and even when the amount had before the lawsuit been disputed as the hospital had not billed the insurance company for treatment, they told me it was n't their fault and that it was MY bill to pay. Since then I have been garnished by them illegal amounts multiple times and while there is NO interest agreed to, they have added high interest to the judgment against South Dakota state law and have not noted on the most recent garnishment paperwork, illegally, that there has been several XXXX dollars paid to them. This company, Accounts Management Inc practices deceptive and illegal practices. These are mostly attributed to XXXX XXXX who uses the attorney 's rubber stamp signature while filing illegal paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITY BANKXXXX XXXX IS STILL REPORTING ON MY CREDIT AND THEY ARE IN VIOLATION. I WROTE THEM MANY TIMES TO VALIDATE THE DEBT AND NO RESPONSE. I SENT THEM A POLICE REPORT AND ITS STILL REPORTING ON MY CREDIT. I NEED IT TO BE REMOVED IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

Ian 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 a 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 Electric Fund 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 card

I have a charge off credit card. Navy federal deposited money into my saving account from a repo on XX/XX/XXXX. I didnt not agree to my money being deposited into that account. Navy federal then took XXXX out of my saving to pay the credit card. I didn't not agree to it and I understand it's against federal law to take money from an account to pay off a credit card. I am also unsure if they legally are able to deposit my money in the account without my permission
Product: Credit card

I have a Capital One Credit Card with a promotional period of zero percent. Nowhere on my statement does it remind me of the pending expiration of that promotional period, neither does it state anywhere on my online account summary, and I had to initiate a chat session to find out when my promotional period expires. No explanation was given as to why this information is not readily available on demand.
Product: Money transfer, virtual currency, or money service

I woke up to check my cell phone this morning around XXXX pst and noticed an email from paypal stating that XXXX ads had charged me for {$170.00} two times. I started to see what was going on, I checked my ads account and noticed 2 payments of {$170.00} had been authorized for some ads. I have TWO paypal accounts linked to my XXXX ads, one was my personal account, and the other was my business. The person seemed to have hacked my XXXX account and got access to my XXXX ads, they set up a bunch of ads to run today ( XX/XX/2021 ), luckily there were no additional charges that went through today. I had taken the steps to change all my passwords. I then proceeded to try an file a claim with paypal via both accounts immediately. They responded within a few hours stating I " authorized '' them to charge me. YES I DID AUTHORIZE XXXX ADS TO CHARGE ME FOR MY ADS, NOT A SCAMMER OR HACKER TO FRAUDULANTLY USE MY ACCOUNT FOR THEIR ADS. Today is XXXX XXXX and now I'm out {$350.00} total. 

I can provide both paypal account information if needed.
Product: Mortgage

An increase of approx {$300.00} for the last few months from approx {$1100.00} to {$1400.00} has caused a financial strain
Product: Debt collection

I am a a victim of Identify Theft, where my personal information has been compromised. 
I have taken the steps and filed a " Identify theft report '' on XXXX as well as filed a police report at my cities local police station. 

I found out about two months ago when seeking to renew my auto finance lease through XXXX. Unfortunately In doing so, I was denied access to my OWN XXXX account since I couldn't verify the " correct information " since someone else provided wrong information so I couldn't even identify myself with my CORRECT identification. 

I then proceeded to try to open an account with XXXX XXXX since I couldn't get into XXXX... I couldn't even open an account with them since someone already created an existing account with an email, ( XXXX ) that does not belong to me XXXX reflecting wrong listed below : My birthday, My address, and my name were all listed wrong. 
( I was able to fix that after trying for two weeks with only one Credit Bureau, XXXX ) Accounts THAT DO NOT BELONG TO Account : XXXX Amount : XXXX Account Type : Charge Account Accounts : XXXX Account type : Installment/ Unsecured Loan Amount : XXXX Account : XXXX Account Type : Instalment/unsecured Loan Amount : XXXX Hard inquires XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, New XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG ADDRESS, XXXX XXXX XXXX XXXX XXXX A XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I also have many duplicates on my hard inquiry that should not be reflecting twice LISTED BELOW XXXX XXXXXXXX - REPORTING THREE TIMES XXXX XXXX REPORTING TWO TIMES XXXX XXXX XXXX XXXX- REPORTING In order to solve this, I have tried to call all three Credit bureaus and every time I have been transferred and not helped ... . I feel like my rights are being violated under the Section 623 ( a ) ( 1 ) ( B ) and no one has been responding to all my attempts which resulted in failure. this is my last and final resort
Product: Vehicle loan or lease

I purchased a new XXXX XXXX XXXX in XXXX with a down payment of {$15000.00} & a XXXX XXXX with a {$7000.00} down payment on XX/XX/XXXX I learned from the VP OF GM FINANCIAL that they had made a business decision not to do business with me any more and they either 1 needed their collateral back 2. needed a payment in full 3. I could let them repo the vehicle and id have ten days to pay off or they where going to court in front of a judge to force me to turn in the truck and the only payment options we had where in cash at a XXXX XXXX or certified check & the account had a payoff of {$64000.00} for the XXXX and {$42000.00} for the XXXX The purchase price for the XXXX was {$60000.00} and {$40000.00} for the XXXX ON XX/XX/XXXX I made 2 payments I paid what the print out of the payment said ( see attached ) 1 payment in the amount of {$5000.00} and another for {$270.00} for the XXXX and {$3200.00} for the XXXX they received the funds that same day I called on XX/XX/XXXX and asked why was my balance still {$64000.00} & {$42000.00} when my account balance was {$60000.00}. &. {$40000.00} and I had just paid almost XXXX between both accounts they did not want to explain or couldn't explain why so I went to the XXXX dealer and the finance manager was more confused then myself. I called XXXX XXXX which is the only person that can give me any information about my accounts according to CS at GM FINANCIAL and she tells me that the payments where rejected and id have to contact XXXX XXXX to recover my funds and the accounts needed to be paid in full so I tell her ok no problem I called a credit union which approved me and half way thru the process they inform me of a situation that was preventing them from completing the refi and that id need to call FL DMV. FL DMV explain to me that there was a stop placed on my vehicle 's TITLE and that id need to call GM. GM explained that they placed a freeze on the title until it was paid off I explained to them I was trying to pay them off I was doing a refi thru my local Credit Union and that with a title stop they where unable to complete the refi they refused to help me and explained that they where not going to allow me to refi or pay off the account and that the only option I had at this point was giving them my address so that they could recover their vehicles this was on XX/XX/XXXX I called XXXX XXXX to recover the 3 payments that had not been applied to my accounts and rejected according to GM Financial XXXX XXXX explained that they where not rejected and that they would have to email GM to get a refund for me to contact them in 24 to 48 hours so I called 48 hours later GM replied that the payments where applied to the accounts no refund. so I have no refund the 3 payments I made where rejected and not applied to my account but they were not refunded to XXXX XXXX or to myself and they will not remove the title stop so I can't refinance although already approved with new bank ready to take over and ay them in full
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app block Inc. due to in the independent indicate customer service and unfair practices, which violates the customers financial protection act ( CFPA ) specifically cash app failed to take timely and effective measure to prevent an 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 air resolution requirements under the electronic fund transfer act And regulations these actions have significant inconvenience in financial and seek appropriate address for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 we got to a agreement for me to paid the amount owned directly with a internal agreement lowering my monthly payment to XXXX a month for 60 months and they will close the account on my credit report as charged-off and not report more negative information to the credit bureaus and I have comply with my monthly payments ever since. They take it from my chase account as direct payment every month and they keep reporting to the bureaus that even do the account appears Charge-off is not being paid. They are hitting and damaging my credit score and opportunity to get a home. I cant believe that this Credit Union were I have other accounts that have been never been paid with delayed is working like this. I have called them every month and just pass me from side to side and tell me theres nothing to be done. Its not a fair lending practice from there end and they just dont care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent College Foundation a cease-and-desist letter letting them know to stop contacting my family members and friends about the debt they say I owe but yet after I sent them to cease and desist letter  they're sending me this letter dated XX/XX/2020 which is a violation of the cease-and-desist letter that I sent them certified mail.
Product: Debt collection

I am writing to file a formal complaint against HUNTER WARFILED for engaging in debt collection activities within my state without being registered. I believe their actions are in violation of the laws and regulations governing debt collection practices. As a resident of FLORIDA, I recently became aware of the activities conducted by HUNTER WARFIELD. Upon investigating further, I discovered that they are not registered or licensed to collect debts within my state. This raises serious concerns about the legality and legitimacy of their operations. According to the laws governing debt collection in our state, all debt collectors must be duly registered with the appropriate regulatory authority before engaging in any debt collection activities. This requirement exists to protect consumers like myself from unfair and deceptive practices that may occur during the collection process.In addtition i have never received form of communication regarding the dipute of this debt. 
please provide me with these following -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature - proof that I received your initial 30 days notice to dispute this debt.
Product: Mortgage

Our mortgage was sold in the last months from XXXX XXXX to Freedom. We received noticed from XXXX XXXX to not send them anymore payments about 10 days before our payment was due. It had the old loan number on it. I moved the address to Freedom and left the loan number and made the XXXX payment ( {$800.00} ) and the XXXX ( {$800.00} ) payment. In XXXX we received notice that we were behind. I logged into Freedom, made exact amount via their website and started talking to them via online communications about the missing payments. I sent everything I had access to from XXXX XXXX XXXXXXXX. They told me they needed other information. I requested it and received the XXXX information in the mail and sent if via their secure site to them. They found it and credited out account. I did not receive from my bank the XXXX information so I called again. They got on the phone and called Freedom. The next day they faxed to the number they were given the information on the XXXX payment. I reported this to Freedom who replies yes the XXXX payment was already resolved. 

I went back and said no XXXX is resolved they sent confirmation for XXXX. They keep responding to me about XXXX. So a XXXX time I called XXXX XXXX XXXXXXXX and did a 3way call to Freedom and repeated the fax process for the XXXX payment. Again telling Freedom via secure communications this occurred. They again replied yes we already processed XXXX and keep telling you this. 

Freedom will not find or process the XXXX payment, I admit I am at fault for the wrong account number. I have asked for a direct number to talk to someone about my loan and I get the 800 on all their paper work. When I call I get " oh we have to transfer you, your a special loan and never get to anyone ''. In addition at the time of transfer my unpaid balance was was {$2100.00}. After applying the {$800.00} payment and the 1 time payment of XXXX they are showing a balance owed of {$1400.00}. So, how do I owe more with the change in companies. I am told its how they calculate verse how XXXX XXXX calculated. That is a {$780.00} difference at the end of my mortgage. 

I need Freedom to find the fax that was sent twice from XXXX XXXX XXXXXXXX for the XXXX {$800.00} payment and apply it. Than I will pay off the balance of the mortgage. I also need this off my credit report.
Product: Credit reporting or other personal consumer reports

I am distressed that Experian has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated and deleted :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 6 disputes with XXXX to have a negative account item number XXXX on my report from US Dept of Education/GLESI ( Great Lakes Education ) to be removed from my report as it is past seven years, was since XX/XX/XXXX, or updated to show status as not past due and removed from negative standing. This account was transferred and sold and I have been making payments so account is not in past due or default status. I have a letter from Department of Education stating that this should be removed as well which I submitted. This creditor was removed from XXXX  and XXXX but XXXX  continues to give me a hard time. I have contacted them multiple times and finally they removed the account on XX/XX/XXXX but then in XX/XX/XXXX they added this account back on my report saying the creditor requested it to be added back on. I have contacted XXXX several times and they cant ever find my dispute or the documentation and keep referring my back to the creditor. I called the creditor 3 times and they say they did not report anything to my credit report as I no longer have any accounts with them as they show my accounts have been transferred. No one will help me straighten this out and it is affecting my current student loans as I am in XXXX school and as well need to send my XXXX to college. The account status of this account is incorrect as it is not over 120 days past due as it has been sold and transferred and has been making payments on. This account should be deleted from my report and XXXX is the only one that is not working on this and ignoring my disputes and keep losing my documentation that is sent in now over 6 times. I ask to speak to a supervisor and they just keep me on hold for an hour with no check ups.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX  XXXX Acct XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  XXXX XXXX Acct XXXX XXXX.