23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

From. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX Cell : XXXX : The Consumer Financial Protection XXXX XXXX DCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX service connected post XXXX and XXXX XXXX veteran of the XXXX XXXX and XXXX XXXX XXXX XXXX a XXXX Mersades Benz e320 XXXX door coupe XXXX of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada for {$6000.00} and the vehicle was financed through United Finance located at XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX Their telephone number is : XXXX. The car broke down because the fan belt came off and the hose ruptured while I was on the freeway and at the time I was not a XXXX service connected veteran, so I had to miss a payment or XXXX to get this car fixed which I had to pay {$720.00} out of my own pocket. When I tried to explain this to the United Finance Company they acted like they did n't care and started charging me as I discovered today {$4.00} per day in intrest or 35 % intrest and when I started writing them post dated checks via XXXX XXXX bank for {$310.00} per month and I found out today XXXX from United Finance when I called them that I have only been paying on the daily intrest and very little has been going toward the principal of my loan. No wonder I still owe {$5100.00} after I have had this car over 11 months and the car broke down again on me XXXX more times and I had to spend another {$790.00} plus another {$2700.00} to keep it running. I am just being screwed all the way around. I am a XXXX veteran on a fixed income and it is wrong by them especially all I was trying to do was re establish my credit so I could get me a new 2015 Chevy Impala from a respectable XXXX Dealer at a veterans discount. I cant even get out of this car or contract with the interst of a loan shark. I need your help in this. Thank you for your time. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

They are four fraudulent inquiries thats done on my XXXX and XXXX and XXXX credit report that I need to be removed immediately!! The four fraudulent inquiries are .ALLY FINANCIAL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX I need these inquiries to be removed IMMEDIATELY
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit card

I reported my TD credit card lost on XX/XX/year>. I also reported a number of transactions worth as fraud as I did not recognise them. The next day ( XX/XX/year> ) TD issued a letter refusing to credit me for those transactions saying their investigation reveals fraud did not occur based on Card was not utilized after you notified us to close the card. TD claims to protect consumers from fraud but is now asking me to pay the balance and foreign transaction fee for transactions made on my lost card!
Product: Credit reporting or other personal consumer reports

I have rights to ensure that your private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed you of my right to exercise your nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Product: Credit reporting

Went to the consumer website ..XXXX and requested a report from experian. They denied an online report request without explanation and for no reason. The web site said that they needed a request in writing .I did so and they sent the report. There was no way possible to discuss this issue with them either online or via the telephone, since the options available to me, precluded me from making this inquiry. Since they do not have selections appropriate to answer my specific question. There was no telephone number that I could talk to someone in person regarding this question.Why have an online service when one has to make the request in writing. Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 major credit bureaus have illegally hoarded my personal information without this consumers express written consent, pursuant to the 1974 privacy act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the fair debt collections practices act, all 3 bureaus mulishly and collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions and a host of others.
Fair Credit Reporting Act False and Misleading Practices Truth and Lending
Product: Credit reporting or other personal consumer reports

The company called me today asking me for a copy of my Identification which seemed very suspicious. They explained it was about a reinvestigation and that they wasn't allowed to communicate with me through email thread, which I have already received an email from the company. This method of asking me for identification leaves me not confident in the process which undermines how they have been improperly conducting business without my authorization previously without identification. This is impartiality with respect to my right to privacy My identity shall be my Consumer # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX Louisiana on XX/XX/XXXX and made a down payment of {$4600.00} directly to XXXX XXXX XXXX to knock the principal balance down. the original amount of the vehicle was approximately {$9000.00} until the interest was applied which made it total {$15000.00} so i applied the {$4600.00} to knock the balance down but it never did and i asked XXXX XXXX XXXX will it show and she replied " it will reflect as I make my monthly Payment '' so it never did so i began asking why hasn't it reflected yet, she continued to say " it will reflect so time continued to pass so i eventually reached out to the local law enforcement and asked for advise and the XXXX police department said this was considered fraud so i took the next steps and filing a police report because i had realised this company wasn't being honest with me. On or around XX/XX/XXXX I called the police station for an officer to come and investigate so two police officers from the XXXX police department came on the scene to XXXX XXXX XXXX to investigate but they were closed. So we returned at a later date during their normal business hours on XX/XX/XXXX so as the officer proceeded to investigate and question them where did my down payment go. They ( XXXX XXXX XXXX ) couldn't explain and XXXX XXXX was jumping up and down. So when it was time for me to make my monthly payment. XXXX XXXX XXXX refused my payment and said i was behind which i was not and XXXX XXXX stated " XXXX you should have never said we stole your money '' after I asked why was they refusing my payment. They are still refusing my payment I've gone over there more than once and even have called and asked family and friends to call to see if they can make my payment but they refuse it and now are trying to make me pay my full remaining balance off which is not right when i wasn't behind but they are making me fall behind because they are refusing my payments only because i wanted to know where did my down payment go. this is fraudulent and unlawful what they are doing to me. I have reached out and got an attorney I've also notified the FTC, State Attorney General and local law enforcement. Also it took XXXX XXXX a month later to send me a receipt of my down payment which was XX/XX/XXXX after I kept begging for my receipt.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I had {$200.00} withdrawn from my account which I did not remember authorizing I called Coinbase and emailed them. While over the phone we were able to figure out that I did authorize the withdrawal 4 days later on XX/XX/XXXX I get an email from Coinbase that they have put my account on a temporary freeze due to the email I sent about the {$200.00} bank withdrawal. I have tried multiple times emailing and calling to have my funds released. But they have not been helpful Case number : XXXX
Product: Credit reporting or other personal consumer reports

Bank of America and XXXX bank is reporting to several credit monitoring companies and a company called XXXX XXXX XXXX that I had an account with them. I have repeatedly contacted them asking for the documents that would verify that I opened the accounts and time and time again have been denied. I have given then police reports stating that I was a victim of identity theft and they have yet to remove the information.
Product: Credit reporting or other personal consumer reports

Experian is not investigating anything. After I open this complaint, they sent out a stall letter which is what they always do. They don't investigate nothing. They are in direct violation of 15 USC 1692 c ( c ) and 15 USC 1681 and they will be sued. They sent a response claiming they are investigating and they are not. I have already obtained a lawyer this is for tracking purposes for paperwork. I have all the documentation I need at this point to move forward with my case. 

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except. 

Go XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Every month since 2017 my amount of interest has gone up and it is now at a rate of 15 %. Mind you, it started at 6.7 % I can prove through countless emails the rise of my interest rate. Last year I paid almost {$6000.00} in interest alone. They say my payment is based on the market. Ive talked to countless representatives and they do not know a timeframe of when that interest will come down. I do not have a co-signer to help me refinance so I am stuck with them. How is this legal to keep excelling the interest rate beyond belief?? And when will it ever go down??
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My name is XXXX XXXX XXXX, I am writing to complain on XX/XX/XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XX/XX/20 XXXX/XXXX/20 They're are multiple attempts other then this dates I have attach. 

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. 
I am requesting for this accounts to be removed from my credit report intermediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$650.00} XXXX XXXX   XXXX XXXX {$420.00} XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX {$1000.00} XXXX XXXX {$1100.00}
Product: Credit card

BankMobile allowed a debit card to FRAUDULENTLY be issued under my name. After several calls and complaints BankMobile refuses to resolve the issue by canceling the card. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX still reporting negative information on my credit report when I have been in an active Chapter XXXX bankruptcy since XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed a letter concerning unknown and inaccurate information on my credit report to this day over 30 days the bureaus have not responded to my request. My life feel crippled and all my disputes are being ignored. Section 611 ( a ), it is plainly stated a failure to investigate these items within 30 days gives a reason too immediately remove those items from my credit report it has been over 30 days so they should deleted at once. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and my have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient Account XXXX has been charged off for more than 7 years and should be removed off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts associated with my personal information, as I am a victim of the recent data breach that has affected numerous individuals. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to my personal information. The breach has compromised my data, and I am concerned about the potential for identity theft and misuse of my information. 

Please find my details below for your reference : Full Name : XXXX XXXX Social Security Number : XXXX : Date of Birth : XX/XX/XXXX - Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additionally, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit card or prepaid card

In XX/XX/2020 I booked flights using My Capital One Credit Card to XXXX, XXXX in the amount of {$3700.00}. I was told by The airline XXXX XXXX that flight which was scheduled to leave XX/XX/XXXX would be cancelled as will return flight back to XXXX from XXXX in XX/XX/XXXX. The airline promised a return of the fees taken less {$150.00} processing fee. I was told by XXXX XXXX travel Agent XXXX XXXX in Illinois that I would receive confirmation of this. Unfortunately they failed to provide an lay document or email stating to the return due to their cancellation after contacting them multiple times in XXXX regarding this. 

I filed dispute with Capital One who gave back credit on XX/XX/XXXX. They subsequently removed in XXXX XXXX asking for more information. I asked what is needed besides the verification that XXXX XXXX has halted all flights from U.S. with no projected opening which is on public website. Capital asked that I write out a letter signed by me stating that I contacted Merchant and describing that the airline cancelled flights. I did so and provided screen shots from XXXX XXXX website showing closures and cancellations. 

Capital denied again stating they needed more information. After calling multiple times and being hung up on - I finally reached a supervisor. Again he asked me to write a letter. He also asked for itinerary of flight. I provided this and email from Capital One regarding billing. 

Capital One credited back funds on XX/XX/XXXX only to remove again on XX/XX/XXXX. Again stating they needed more information. 

I believe they are just trying to frustrate me and not wanting to clearly return funds back for a service that was never or can be delivered by an airline that is not flying now or in the near future from the US. So it makes no clear sense what else they need to return my funds. 

The airline is now stating they will take up to 4 months before they respond back which based on what I see as FAA guidelines in the US is not reasonable for a cancelled flight. I am entitled to full refund because airline cancelled. Capital One who is party to which I am disputing this transaction should credit back the fees.
Product: Vehicle loan or lease

I submitted military orders requesting SCRA protection be applied to my account on XX/XX/year>. According to customer service reps, the account was approved and placed on XXXX protection on XX/XX/year>. My interest rate has not been reduced. I have called in several times requesting information pertaining to the interest rate reduction and I get a number of different accounts of what is going on with the account but as of today XX/XX/year> the interest rate has not been reduced. I sent an email requesting something stating the account is under review or approved or denied but I have yet to receive anything. The interest rate has not been reduced and when I call all I am told is that they have no further updates on my account. I called today and spoke with XXXX in customer service XXXX department and asked for a number to Corporate and he stated he didnt have one. I asked if he could ask the supervisor for one who stated he didnt have one either. I then asked for an email for corporate and they both stated they didnt have an email for their corporate office. It has been well over a month and emails later and I havent received a response or any changes to my account. I am reaching out to you in hopes to gain additional resources regarding this matter. I will also follow up with the XXXX with my state military department. Please investigate this companys XXXX practices in addition to my case.
Product: Credit card or prepaid card

I recently opened a credit card account with Barclay bank of Delaware. At the time of opening the account offered 15 months interest free. I made use of such offer by transferring some high interest loans. This is where the problem begins, after initiating a transfer from one of Barclay subsidiaries ( Barclay personal loan ) in the sum of $ XXXX.The transfer was initially cancelled since it was not visible online for several days. In such case, I satisfied the due account with alternative means. The eventual out come was an account that was over paid in the sum of {$4900.00}. Apparently an issue that should be easy to resolved given the nature of the problem and the available proof.However, so far that has proven difficult based on the way that Barclay bank has been handling the problem.In any case, even after having contacted them over the phone the issue continues to be unresolved. In the mean time my account has accrued fees and the personal loan continues to be over paid in the sum of {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card was paid in full. It is current and I want it out to current and. Not have negative on my credit report. They got there money
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : XXXX - XXXX XXXX XXXX - Acct number ending in XXXX CFPB Case XXXX A review of my records shows that the minimum amount due was paid on the billing cycles date. While all payments were received around the same due date, these payments satisfy the minimum amount due. Because the full minimum amount due is accurate, therefore the account should not reflect 30-days past due and report as such to the consumer reporting agencies.
Product: Debt collection

Debt validation letter XXXX XX/XX/2021 Name : XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Company name : I.C. SYSTEM.INC Collection opened : XXXX XXXX Collection amount : {$780.00} RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the alleged debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Best regard XXXX XXXX :