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

I sent my XX/XX/XXXX payment via bill payment through my bank. See attached. About a week or XXXX later and till this I am getting emails and calls that my payment is past due. 

I check with my bank the payment was sent and processed. 

I have sent messages through secure mail on the website. I'm told I need to call or chat. I did chat with a customer service rep from Ally and they said they are looking for the payment and will get back. XXXX has beer gotten back to me. Except to continue to get calls and emails that payment is late. But it's not late again it was sent through my bank and processed. Ally has the payment. But I'm getting late fees and harassing emails and calls.
Product: Prepaid card

On XX/XX/XXXX I bought Vanilla Gift Card in XXXX and put {$340.00} on it via cashier. After the purshase I opened the package and found out that 4 digits are ripped off from the card number and at the same time I was not able to use a card at gas station. 

I called the number which is placed on the card and Vanilla Gift Card customer support team blocked the card, but told me that all the money is still on the card, but it registered to somebody else and asked me to send an email to them with the subject " Ownership dispute '' to XXXX and attach front and back of the card, receipt, my ID. I did that on XX/XX/XXXX, but heard nothing back from them. 

9 months later I called Vanilla Gift Card customer support team again and they told me that the email address XXXX is not correct and asked me to do all the same thing, but at this time send an email to the different email address XXXX with a different subject " Ownership verification '' and attach the same documents. I did that on XX/XX/XXXX. 

2 months later again I didn't hear back from them. I need my money back. Today, on XX/XX/XXXX I called them again and was not connected to an agent, because I guess they disabled this feature and during the call automatic auto-reply system asked to report a problem via https : //balance.vanillagift.com/. I did that and the case with number XXXX was created and I was instructed to send another email with subject " First Name Last Name XXXX '' to XXXX and attach back and front of the card, package and receipt. I did that now on XX/XX/XXXX, but I have no hope to get response and my money back, because all I see is that they ignored my emails and did not resolve my problem for almost the entire year. 

Thank you in advance. 

Best, XXXX.
Product: Vehicle loan or lease

I originally entered into a contract payment with a local car lot that later went out of business and sold the loan to a company whom I have documented evidence of receiving my full payment of XXXX $ for every scheduled payment to date. But I have received notice of a repossession of my car that I need to get to work if they do not receive an amount of XXXX $ I would like to ask what can be done in defense of the integrity of my career
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 15 usc 6802 a financial institution which has been listed above may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; the consumer is given an explanation of how the consumer can exercise that nondisclosure option. If XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX is not affiliated with XXXX they can not disclose any nonpublic information to XXXX without my consent which I have not given any consent.
Product: Debt collection

I received this email XX/XX/2018, and they said that I owed XXXX. I have never responded because I have never taken that loan. I can not pay for something that I did not do.
Product: Payday loan

I 'm being harassed by a lender who both charged me fees/interest I did n't expect and also would n't stop charging my account despite calls/emails. I also have received threatening emails and calls, but no actual paper work despite appeals for information in writing. I also submitted a formal letter asking for information when i lost my job, but no information was provided.
Product: Payday loan, title loan, or personal loan

excessive : billing cycle fee service fee principal interest rate current ytd fees and charges XXXX since XX/XX/2023 total current loan amt XXXX ( so i have paid over XXXX in fees in 3 months and almost nothing toward my balance ) I have contact customer service multiple times with no success. I have asked why total amount due increases despite having automatic payroll deductions. Multiple customer service rep have assured your total loaned does not increase, but minimal ( 1 % ) of your payment is applied toward principal due to fees. When I have reviewed statement balances the best a representative could tell me was " Oh, you are off billing cycles. '' Which makes no sense. I am paying over XXXX a month in payroll deductions and have paid nothing toward my balance and actually my balance has increased you can only call customer service to adjust payment in order to apply more toward your principle. However, it is difficult to get through, agents often ask you to call back or agree to return call when network is back up with no return call. You are unable to adjust your payment or make an additional payment online. When I tried to make an additional payment online I was charged an additional service fee. This was addressed with customer service and fee was reversed.
Product: Credit card or prepaid card

Hello, Please help me. 
I have called multiple times only to be hung up on XX/XX/2020 when trying to dispute the following charges on my Way2Go card for unemployment. Someone needs to get this in line. These are clearly fraudulent charges from XXXX, XXXX. Also what is the balancy inquiry fee? seriously? 


XX/XX/2020 IVR BAL INQUIRY FEE XXXX - Cleared - {$0.00} XX/XX/2020 INTERNATIONAL PURCHASE FEE XXXX XXXX XXXX / XXXX XXXX - Cleared - {$0.00} XX/XX/2020 PURCHASE XXXX XXXX XXXX / XXXX XXXX XXXX Cleared - {$280.00} XX/XX/2020 INTERNATIONAL PURCHASE FEE XXXX XXXX XXXX / XXXX XXXX - Cleared - {$0.00} XX/XX/2020 PURCHASE XXXX XXXX XXXX / XXXX XXXX - Cleared XXXX {$150.00} XX/XX/2020 INTERNATIONAL PURCHASE FEE XXXX XXXX XXXX / XXXX XXXX - Cleared - {$4.00} XX/XX/2020 INTERNATIONAL PURCHASE FEE XXXX XXXX XXXX / XXXX XXXX - Cleared - {$8.00}
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/XXXX XXXX XXXX  I contacted support because I started receiving contact from an unknown merchant named XXXX telling cash app they attempted to get {$25.00} then {$10.00} so I asked cashapp to block anyone requesting money because who knows me would contact me Monday XX/XX/XXXX XXXX XXXX  I contacted them again someone name XXXX XXXX  out of California tried to charge me a XXXX which was very odd? Another red flag so they asked did I want to block them and another company XXXX XXXX  to which I said yes please block them!! 
Sun XX/XX/XXXX, XXXX XXXX  some XXXX XXXX  attempted to charge me XXXX and this went on and on til Sunday XX/XX/XXXX, XXXX XXXX  a merchant named XXXX XXXX companies I am unaware of in Michigan? 
Tuesday XX/XX/XXXX, XXXX XXXX  someone by the name of XXXX XXXX attempted fraud Sunday XX/XX/XXXX, XXXX XXXX  they finally succeeded and stole from my account {$35.00} dollars I went back and forth with cashapp support telling them this is and inside job because they said it was in there on their in but clearly thats not true because on my end I was deducted the {$35.00} dollars. I am cutting it short from here because I ran out of time I tried to sum it up the best I could thank you
Product: Student loan

I signed an original contract with KHEAA ( Kentucky Higher Education Assistance Authority ) which obviously sold my information to this other company that I never had no original contract with which was XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to H.J.R 192 which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. InXX/XX/1933President Roosevelt passed HJR 192,  XX/XX/1933- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10.  This law protects the people from damages caused by the Federal & State.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with CREDIT COLLECTION SERVICES, they did not provide me with the original contract as I requested.
Product: Credit reporting or other personal consumer reports

I TRIED TOO GET AN APARTMENT AND COULDNT GET BECAUSE OF MULTIPLE ACCOUNTS ON MY CREDIT REPORTS
Product: Credit card or prepaid card

A few years ago I tried setting up auto-pay. It was a disaster. I was told to continue paying the bill until I got a notification that the auto-pay was established. I never got a notification, and so I continued to pay the bill. Suddenly, BofA debited my checking account for the most current bill even though I already paid it, so I had a credit balance. The following month I was debited again, retaining the credit balance. When I called and asked I was told there was " nothing that could be done about that. '' I asked for the refund of the credit balance but that request was denied. So my only recourse was to cancel the auto-pay, let the credit balance get used, and then continue to pay manually each month. 

Fast-forward to a few months ago. I tried once again to establish an auto-pay. After digging, I finally found the section on the ( very poorly designed, and I spent the latter part of my career designing websites and working with programmers, so I do know what I'm talking about ) website section, entered my account information, got no error messages, and moved on. I never got an acknowledgement that this actually happened, and so I've been paying manually. 

Today I called customer service to find out if the auto-pay is set up. I was told by XXXX, the customer service representative, that there was no auto-pay set up on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

The XXXX account on my Experian credit report is inaccurately listed as charged-off with a balance of {$1300.00} and {$1200.00} past due. This information is incorrect because [ state your reason, e.g., the balance is inaccurate or the account was settled ].
Product: Checking or savings account

I was frauded out of {$24000.00} from my saving account via a wire fraud scam. The person doing this moved money around to various account we have and also transferred {$13000.00} from my daughter saving account To our account to wire transfer.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am writing regarding the above-referenced debt that you have claimed I owe. I request that you provide validation of this debt under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Specifically, I request that you provide : Verification of the full amount of the debt, including any fees or interest that have been added to the original balance. 
Proof that you are legally authorized to collect this debt on behalf of the original creditor or that you own the debt outright. 
Documentation that clearly establishes that I am responsible for this debt, including but not limited to the original agreement or contract. 
The date of the original delinquency and an itemized account history showing how the amount due was calculated. 
The name and address of the original creditor, and if applicable, any other information pertaining to any previous owners of the debt. 
Until this debt is validated, as required by law, I request that you cease all collection activity and stop reporting this debt to any credit reporting agencies. 
Please note that if you are unable to provide the requested documentation, I expect you to immediately delete this account from my credit report and cease all further communication regarding this matter. 
Thank you for your cooperation in this matter. I expect a timely response within the 30 days allowed by law. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Twice now my auto finance company, tdautofinance.com, in XX/XX/XXXX and again on my statement in XX/XX/XXXX, has listed payments i have made, on time in the full amount listed, incorrectly as less than my check states. Both times my checks were read incorrectly.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized disclosures of my credit information and unauthorized credit checks conducted without my consent or authorization. These unauthorized activities have negatively impacted my creditworthiness and caused me significant distress. 
I have recently been notified that my credit information, including previous addresses, has been accessed by unauthorized individuals or entities. This information has been used to conduct credit checks without my knowledge or consent. I am deeply concerned about the potential for identity theft and the detrimental impact these unauthorized activities may have on my credit score and financial future.

I request that the CFPB investigate this matter and take immediate action to remove all unauthorized credit information and inquiries from my credit reports. This includes, but is not limited to, the following : Removal of all unauthorized inquiries : I request the removal of any credit checks conducted without my consent from my credit reports. 
Removal of all unauthorized credit information : I request the removal of any unauthorized personal information, including previous addresses, late payments from my credit reports. 
Investigation of the source of the unauthorized disclosures : I request a thorough investigation to determine the source of the unauthorized disclosures and to hold any responsible parties accountable. 
Implementation of measures to prevent future occurrences : I request that the CFPB work with credit reporting agencies and other relevant entities to implement measures to prevent future unauthorized disclosures and credit checks. 
My request for the removal of unauthorized information is based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 6802. This law prohibits the reporting of inaccurate or incomplete information on credit reports.

I am also available to provide any additional information that may be helpful to your investigation. 
Thank you for your time and attention to this matter. I urge you to take swift and decisive action to protect my financial privacy and creditworthiness.
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 XXXX. Account name : XXXX XXXX XXXX GEORGIA XXXX, has violated my rights. 15 U.S.C XXXX section XXXX A. XXXX I have the right to privacy. XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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 XXXX years. 15 U.S.C. XXXX ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted a dispute to the 3 credit companies threw XXXX XXXX. I was a victim of identity theft. I have addresses I was not associated with on my credit profile places of employment, collection accounts, and bank accounts all that were not associated with me. I have provided all the paper work and proper documentation and legal information pertaining to my situation and how its affected my credit from fraudulent. Once the disputes were all finalized the addresses and fraudulent accounts were removed and put my credit score to XXXX. XXXX and Transunion removed some of the fraudulent accounts but left some and etc. Im sending the proper dispute to have these items that were not related to me removed and COMPLETELY fixed this has ruined me financially.
Product: Mortgage

Hello CFPB, My name is  XXXX   XXXX  and  XXXX   XXXX  and this is my story/complaint. Late last year in   XXXX   XXXX   XXXX     I was offered a permanent loan modification for my mortgage with servicer being Ocwen loan servicing. They  ( Ocwen )  failed to communicate with me that the permanent loan modification paperwork was missing a signature on  one  of the pages. I did not know that the permanent loan paperwork was missing signatures as I thought I had signed all necessary pages. I mailed the permanent loan modification on   XXXX   XXXX   XXXX   XXXX   I NEVER received any type of communication from  Ocwen  that a signature was missing for over 2 months. Had I known, I would have signed and sent back immediately. In  XXXX , I receive a letter that said I was denied the loan modification and the first payment was sent back to me. All  Ocwen  had to do was to give me a call or send me a letter stating the problem. I even spoke with a customer service representative and she clearly stated that there were no indication that a letter was mailed or a phone call was made to me to let me know that signature was missing. Not only am I behind on my mortgage now they are not willing to give me any type of loan modification after I had re-submitted for a loan modification. I understand that I failed to signed in the proper place, but the fact that  Ocwen  NEVER communicated either by phone or by to correct the simple error of not realizing that I had missed sign one of the pages. They had 2 month to communicate this and they did not. I believed they have to be hold accountable to not communicating of the mistake to take action and correct it. Now here I am facing foreclosure for something that could have been taken care of so easily. I have a conventional and now I have lost the opportunity to apply for HAMP. This has caused me great unnecessary stress in which now they are saying that my only option is either short sale or deed in luau. I can afford this property if they give me a loan mod. Your help in this matter is greatly appreciate it. Thank you for your help.
Product: Checking or savings account

I did receive XXXX  envelopes addressed from Wells Fargo, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX recent time after I did apply very important, and to legal type business, concerns include injury claims, and error remedy. 
Both envelopes were in fact addressed to me, although one was addressed to me at an physical residence, XXXX XXXX XXXX XXXX XXXX XXXX and the other, to correct applied address informed to Wells Fargo , XXXX XXXX XXXX XXXX XXXX XXXX ; The XXXX envelope, sent to XXXX XXXX XXXX, was postmarked, XXXX XXXX XXXX and the XXXX envelope sent to XXXX XXXX XXXX, was postmarked XXXX XXXX XXXX. Because of these inconsistent to fair apply addressed, mailed envelopes to XXXX  personal legal business jurisdiction, " I was deeply caused to occur injury, and inconvenience, additionally to the other prior instances, where Wells Fargo did cause me injury, that there has been document to, and although therefore at those prior other times occur injury me by Wells Fargo fault, the here above mentioned incident now has occur a serious issue cause of action complies legal to and " assault jurisdiction '', since within the prior sent to assist remedy jurisdiction ask " injury claim '' documents, did contain an XXXX page, XXXX XXXX XXXX attachment explain for regards I have been suffer XXXX upset my VA diagnosed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, by numerous Wells Fargo 's , wrongful, to malicious acts apply, and now I allege accords this facts, that Wells Fargo , did knowing that for I was suffer XXXX  condition, did intend on mine here occur injury, inconvenience, even XXXX.