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

On XX/XX/XXXX I leased 2 vehicles from XXXX Hyundai that were suppose to have monthly payments of {$370.00} each. My spouse came with me as I needed his signature for credit purposes. We were there a very long time and when we were about to sign for the leases the leasing manger started talking about a Tire and Wheel Protection Plan that he highly recommends because XXXX XXXX is famous for nails in tires etc ...., I initially said no when he told us the additional amount. He was very persistant and came back with a lower price for this plan. Due to the amount of time already spent in the dealership and my husband getting more upset with me, I said " yeah go ahead put it on ''. my monthly payments then went up to {$390.00} and {$390.00}. I thought I could cancel this at any time and just make my normal care payments, not realizing this was part of the Lease Agreement incorporated into the monthly payment. On or about XXXX of XXXX, I called the dealership and asked how to cancel the plan. I was told " oh we can cancel it, but you still have to make the same payments and at the end of the lease payments number XXXX & XXXX will be paid for because you would have an overage. '' I told them that is not what I wanted to do and was told there is nothing that can be done. I called Hyundai Motor Finance several times beginning XXXX and got bounced around to numerous different people and departments and not one person could answer the question I was asking. I was told that they didn't even see a Tire Protection Plan on the agreement but there may be some way the computer system divides the money. I finally this past week was able to get someone that informed me there is absolutely nothing Hyundai Motor Finance can do and if I just make the {$370.00} payments on both vehicles that they would mark me as being late with both payments every month. I do not want my husbands credit to be ruined as it already went down because XXXX Hyundai did 2 credit checks on him which was not necessary when they already had one and could have used it towards the other vehicle that day. Anyway, I DO NOT NEED THIS TIRE/WHEEL PROTECTION CONTRACT NOR DID I WANT IT IN THE FIRST PLACE BUT WAS FORCED INTO IT BY THE LEASING SALES MANAGER AT XXXX HYUNDAI . I just want to make my vehicle payments which should be {$370.00} each.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the  information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Brclysbankde XX/XX/2017. 
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Debt collection

Hello Consumer Financial Protection Bureau, and thank you for you services in providing consumers against the deceptive practices of against companies, including the one I am filing this complaint against, in the financial protection commerce industry. With that being said, I would like to inform you of the Fair Debt Collection Practice Act ( FDCPA ) violations that this company has committed in an attempt to collect an alleged debt. To begin this company has violated statute 15 USC 1692c ( a ), this company has contacted me about an alleged debt when I did not give them consent to do so, it is to a universal awareness that a debt collector must not use such tactics without a consumer 's consent. I would also like to mention their violation of 15 USC 1692c ( b ) by communicating with a third party company regarding my personal information without my consent being granted to them to do so. Let me remind you, under this subchapter, that this company must not communicate anything about this alleged debt with no other person besides my attorney, a consumer reporting agency if permitted by law or myself, and this company violated this. This company has also violated statute 15 USC 1692d by continuing to harass me, a consumer, with their deceptive tactics. I do not feel comfortable knowing that a company can continue to commit violations of laws that protect consumers and not face consequences for it. This company is also harassing me by attempting to collect any money that can from me in relation to this alleged debt by trying to get me to pay a discounted amount that was never agreed on, which leads me to their next violation. This company has violated 15 USC 1692F ( 1 ) by attempting to collect on an amount that was never agreed upon by me. This company is attempting to get me to settle for an alleged debt by offering me some sort of discount. If that is not unfair practices from a debt collector than I am very confused. Let me also remind this company that they are also in violation of 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) by sharing medical information or any related information to such manner including personal information to credit reporting agencies.

As you can see this company has violated quite a few prominent laws that help protect us consumers. I refuse to let this company continue to commit these violations, not just for me but for other consumers facing difficulty during these tough times. 

To help with this complaint I have attached a letter sent to me from this company including the violations I am referencing. 

Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XXXX XXXX XXXX I noticed funds disappearing from my business checking account. I notified XXXX XXXX XXXXXXXX of the fraudulent activity and was told they would look into it. Apparently, that never happened. Follow-up calls were just a run around, so I started trying to contact Novo myself XXXX 
Whether email or by phone, we have to have an account number to get started. " they would send a code to " my '' phone. Well, they don't have my phone # because I have never had an account with them. 
I received an email from Novo today ( XXXX ) about collections for my {$25000.00} owed! I replied ( see page 15 ) that I can't call them because I don't have an account #. I also mentioned that because I can't communicate with them that I need to go through the FTC. Strangely the email from Novo went away! 

I have NEVER had an account with Novo! 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

Subject : Request for Settlement and Investigation of Fraudulent Transactions To Whom It May Concern, I am writing to formally request a settlement of my Cash App account and assistance in resolving several fraudulent transactions that have caused me significant financial loss. Below are the details of the transactions in question, listed in chronological order : Disputed Transactions 1. Transaction 1 : Date : XX/XX/XXXX Amount : {$500.00} Description : I sent XXXX to a broker who claimed to manage investments. Later, I discovered the business was a scam and had shut down after defrauding multiple individuals. 
2. Transaction 2 : Date : XX/XX/XXXX Amount : {$460.00} Description : I was contacted by someone pretending to be Cash App support, who instructed me to send XXXX to resolve an alleged account issue. This turned out to be a scam, and I lost the funds. 
3. Transaction 3 : Date : XX/XX/XXXX Amount : {$170.00} Description : I sent this payment to a day trader who promised access to their XXXX group. After receiving the money, they failed to provide access and stopped responding. 
4. Transaction 4 : Date : XX/XX/XXXX Amount : {$200.00} Description : I made this payment for clothes but mistakenly sent two paymentsone from my debit card and one through Cash App. My bank could not refund the duplicate payment, and Cash App also could not assist. 

Request for Assistance I respectfully request Cash Apps support in reviewing these transactions and determining whether the funds can be recovered. These fraudulent activities have caused significant financial hardship and emotional stress. Additionally, I request a detailed settlement statement for my account. 

Thank you for your attention to this matter. I appreciate your help in resolving this issue and look forward to your response. 

Sincerely, XXXX XXXX Cash App Username : XXXX Contact Information : XXXX
Product: Credit reporting

Lastly, I would like to dispute ( AGIAN ) XXXX XXXX XXXX XXXX XXXX for the matter of {$420.00}, Original Creditor XXXX XXXX Bank XXXX, XXXX. This account was removed from my credit report back in XXXX by XXXX XXXX and yet it is STILL updated as late as XXXX to my credit report. Please correctly update you credit files and delete this account, finally, from my credit report. It was deleted and can not be reporting to my name any longer. The debt was settled for deletion. I would like this removed immediately, because I have disputed this account 2 times since XXXX and NOTHING has been done to correctly remove it from my name yet.
Product: Credit reporting or other personal consumer reports

there are XXXX hard inquiries on my credit report that I have no knowledge of so I would like these inquiries deleted off my credit report because I did not authorize these companies to pull my credit report. list of inquiries below. 

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, credit repair services, or other personal consumer reports

In accordance with theFair Credit Reporting and XXXX Account # 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 a account without my written instructions. 

XXXX XXXX XXXX. Account XXXX XXXX  XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX
Product: Credit card or prepaid card

I have a credit card with Bank of America. I have autopay set up for my monthly payments. Recently I paid off my entire balance but I noticed that I was still being charged the autopay amount. When I accessed my account online I had a {$200.00} credit on my account. If I dont have a balance, I should not be charged on my autopay. This bank is using their autopay function to secure interest free loans from there customers to increase the their financial positions. Had I not caught this it would have went on indefinitely
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I submitted an application to NetCredit for a line of credit, mind you the first time I applied I was approved for {$2700.00} however, it was later that NetCredit decided not to allow me to have the the line of credit by denying me. 

I later found out from a second email sent to me that because I applied for a loan through a third party this was their reasoning to deny me. Mind you, NetCredit had already denied me so why were they ( after denying me ) so worried that I applied with a third-party website unless they are connected to that third-party website? 

Then they state that their decision was based in whole or in part on information obtained from an affiliate or an outside source other than a consumer reporting agency. 

Afterward, I discovered that they ( NetCredit ) are the bank XXXX XXXX XXXX NetCredit that denied me. Instead of telling me about them being the bank, I had to find this information alone. I called the NetCredit phone number XXXX and when I called the bank XXXX, I found out they are the same and that NetCredit allow this bank to give them information concerning me without obtaining this information from the credit bureaus. To me, I have been set up to fail. 

However, before finding out this information that they are the bank, I questioned the loan officer whom I spoke with at NetCredit, I explained to her that NetCredit said originally that I was denied credit because I applied for a loan through a third-party website but I applied for a loan through a third party AFTER I was denied first through NetCredit. My question is why does what I do after applying with a third party have anything to do with NetCredit unless this is rigged after the fact? 

I feel set up by NetCredit. 

So at that time when I called NetCredit, I asked them about all of this but they couldn't give me a real answer. Why did NetCredit rely on some third party to give them information concerning me instead of the credit bureau? 

I told the loan officer, I wouldn't have applied for the line of credit if I didn't need the money. I just had XXXX XXXX  and I needed the money. Crooks can call and get money, real people like myself who truly need the money can't obtain credit or money especially when you need it. 

I work for a living and I don't believe in borrowing, I usually work hard to obtain what I need without asking companies like NetCredit. 

You can rest assured I will never again apply for any credit with NetCredit. 

By the way, I tried to sign-in again to NetCredit and I placed a copy of what they did afterward at the very end. 

Thank you,
Product: Mortgage

My Mortgage lender was sold to Mr. Cooper, which is the worst lender in the world. They never call back or e-mail. 

I was in the middle of trying to refinance when the financial department just did not respond anymore to my request for an FHA streamline. 

I was first told that I could not do it, that Mr. Cooper did not do that, so I told the agent then let see about going to another company who could help me. One agent named XXXX XXXX got back on the line and was so happy to help me and talked my ear off about getting what I needed done, Well I am here to tell you it never happen. COVID 19 HIT AND I was stuck with a payment that I cant afford {$2500.00}. I feel like they just did not want to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently purchased a new vehicle ( XX/XX/2020 ). My credit was run for financing as well as my husbands credit as he is the co-applicant. We both received a letter from XXXX XXXX   stating that they could not finance the loan because of credit scores. My XXXX score is accurate ( XXXX ) but Sage Stream LLC listed my score as XXXX. My husbands score with Sage Stream LLC was XXXX. " Limited history for consumer address and phone '', " length of time since most recent delinquency too short ( I am disputing a medical bill ) '', among others. Over 100 point difference in credit scores! I've never heard of this credit reporting agency and it is shocking that a major company like XXXX would depend on bogus credit scores to determine financial eligibility. This also makes me question if I would have gotten better financing on my vehicle if Sage Stream LLC was not involved.
Product: Prepaid card

I 'm being with held my money from rushcard. Not able to withdraw my money from the atm for a week now. I 'm a new single mother with a XXXX month old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXXXXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit card or prepaid card

Last month I had an issue with this company. To help me get my payment made in time I sent my check ( only 1 this time ) registered with the US mail. The payment was suspiciously posted in plenty of time to make their deadline to avoid interest charges. I paid my legitimate charges plus their bogus interest charges. 

This month, though, they posted a payment of {$80.00}, which I did not make. I did not send a check for {$80.00} to them & I now show a credit on my account. 

I have not heard from the credit card company to date from last month 's complaint. There is a note on my original complaint that they are looking into it. 

Capital One has an internal problem with posting payments & they need to correct it. It has caused me a lot of time & frustration. I have paid my XXXX bill in full for many years on a monthly basis & now lose my credit score because of a company that will not listen to us when we call or follow up on complaints with the consumerfinance.gov.
Product: Debt collection

XX/XX/2022 dated on my dispute I will place into file section I request for a signed or some sort of documented proof from a court ruling etc for the alleged debt owed to collections agency. I have not received this verification proof but continue to receive letters demanding I pay on accounts that does not belong to me. I feel as though I am being ran over and bombarded at this point, being taken advantage of. After 30 days of failure to do some sort of an investigation according to FCRA is grounds for an immediate deletion within itself coupled with the numerous other violations placed in my original dispute that will be listed below. Please help. My next step is to file for some sort of litigation due to the stress and time I have placed into this circumstance without receiving some sort of mitigation.
Product: Money transfer, virtual currency, or money service

My husband tried to venmo me money for a down payment for my car and for half of the rent. He used his phone number to start the service. I verified my account with venmo proving Im the owner of the venmo account with my phone number that my husband sent money too. I also provided two bank statements and my ID along with my marriage license. XXXX XXXX AND XXXX XXXX at venmo advised my account is now current and unfrozen. The transaction from venmo is showing processed and completed on our bank statement however Venmo has failed to transfer my money. It is been showing pending for a week EVEN AFTER verification. This is beyond unfair. Do you know what is like to have used your savings and not have enough money to buy food on XXXX? This is because Venmo is the worst service ever and they need to be stopped. There needs to be someone ready and available to assist if they are working with peoples money. Consumers need to be comfortable that our money is safe and NOT taken. This should not be taken lightly because I need to pay my rent. Its 2023 being behind on your rent will result in an eviction quick. Again this is our money. This money didnt come from an unknown source and can be proven and traced if venmo would do the right thing. 

Thanks