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

Im a XXXX XXXX XXXX woman and I purchased a XXXX XXXX XXXX  in XXXX of XXXX from XXXX XXXX XXXX and it was financed by LGM FINANCE COMPANY. They charged me over {$8000.00} and the finance charge was 24.99 % .. the total cost was {$11000.00} and some change. 
I've paid over {$16000.00}, and they said that I still owe over {$1400.00} + a daily interest rate. 
I don't know when I will get a final payment, or anything. 
Everytime I make a payment, the balance goes up. 
Please help me.
Product: Debt collection

I am writing to bring to your attention an ongoing and concerning matter regarding the inaccurate reporting of late payments on my credit report. Despite my repeated efforts to address and rectify this issue, I have not received a satisfactory response, and I am compelled to formally dispute and request the immediate removal of these inaccuracies. 

Account Information : Account Holder Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX Account Holder Name : XXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XXXXXXXX  Account Holder Name : XXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XXXX I have been diligently working to resolve this matter, and it is disheartening to note that my previous attempts to communicate and rectify the inaccuracies on my credit report have not yielded the desired results. I am confused as to why my requests seem to be ignored, especially considering my status as a victim of inaccurate reporting. 

As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy of the information they report. It is concerning that, despite my efforts to provide evidence and documentation supporting the inaccuracies in the reported late payments, my requests have not been addressed appropriately.
Product: Checking or savings account

Navy federal credit union was charging me over draft fees when the money was visible in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a formal complaint and dispute letter notifying Experian of an inaccurate account showing on my credit file. Under FCRA section 609 Experian had 30 days to investigate and either verify and validate the account or remove it from credit file. Experian has now exceeded and surpassed the designated time frame given under federal laws and FCRA guidelines. The account in question is as follows. XXXX XXXX XXXX finance Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXXXXXX Balance : {$21000.00}, 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 XXXXXX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Factual Data ( finance ) pulled credit report fraudulently. This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX  injury and defamation of character
Product: Money transfer, virtual currency, or money service

I am 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, Casp App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they do not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a government employee affected by government shut down. I spoke with the loss mitigation department and was granted an extension to XX/XX/2019 to make my loan payment. I had money to pay my credit card and line of credit which is the issue I made a XXXX payment XX/XX/2019 and was reported as late and delinquent to the creditors bureau in spite of them knowing I a government employee that was documented in the system. I have spoken to the bank and they said they would dispute it and correct this it has been 30 days and it still reflects delinquent on my credit file. This is a travesty that I have 4 accounts with this bank and they extended the loan but I told them I will pay the line if credit of XXXX dollars and they report me 30 60 90 days late when that is not accurate. I want the delinquent remark removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to accurate reporting, privacy and confidentiality under 15 USC 1681. 

dept of ed/XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXXXXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX  XXXX 15 USC 1681 section 602 A states i have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c . ( a ) ( 5 ) section states no consumer 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 USC 1681a-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: Mortgage

Prohibited acts XXXX have been carried out by XXXX XXXX XXXX XXXX such as fraud, scamming, lying fake " buyer '' XXXX who did not go through the 6 stages of application process. Possible ly kickback scamming XXXX XXXX Loan was not secured properly. Application not real. XXXX stated on the CAPSTONE FINANCIAL LETTERHEAD he was the BRANCH MANAGER - he is not. The OWNER of capstone & CTP is XXXX XXXX who ( in writing ) denied XXXX was associated with him or his firm. XXXX XXXX XXXX is AUTHORIZED TO REPRESENT CTP and XXXX denied this. XXXX approached me directly from the listing of my personal property ( not on XXXX ) that he had a " client '' who was preapproved. XXXX went on to fraudulently say " they '' ( him and his client and client daughter ) to view property. Only XXXX arrived with an excuse he " views all properties for his BUDDY ''. In writing XXXX said an offer was coming immediately. The " client '' ( XXXX XXXX ) then called me saying an offer was coming from him. This was a LIE. XXXX gained access to my property in a deceitful manner and under FALSE PRETENSES & MISREPRESENTATION. I have much evidence and more information to add and send by way of emails from XXXX and XXXX.
Product: Checking or savings account

I was involved in a scam ring at my job. There where several phones and log in information stolen from work computers/tablets which then was sold to thieves. I filled a police report and notified Bank of America and they did an initial investigation, but after the 10 days they said they didnt find any wrong doing and took back my provisional credit. Now my account is negative almost {$1000.00}
Product: Debt collection

XXXX ) USAA REVERSES MERCHANTS CREDITS Leaving consumers liable for fraud when they are supposed to be no liability. USAA FABROCATED FRAUD I DID NOT REPORT reversing merchants credits on returned goods. See attatched XX/XX/XXXX FRAUD CLAIM INVESTIGATION RESULTS ( ** I did NOT REPORT FRAUD ON {$210.00} XXXX RETURNED ITEM ) USAA FABROCATED THIS FRAUD. Kindly Note The credits we deposited at beginning of the investigation have been reversed??? See attatched XXXX XX/XX/XXXX statement CLEARLY THERE ARE NO USAA CREDITS TO REVERSE. THERE ARE ONLY. MERCHANTS CREDITS. See attatched FRAUD CLAIM RESULTS XX/XX/XXXX {$120.00} XXXX XXXX ** ( I DID NOT REPORT THIS RETURNED ITEM AS FRAUD. ) Again see XX/XX/XXXX statement attatched THERE ARE NO USAA CREDITS TO REVERSE. THERE ARE ONLY MERCHANTS CREDITS. XXXX ) See attatched CREDIT CARD FRAUD CLAIM of XX/XX/XXXX completion of fraud CLAIM DATE XX/XX/XXXX {$470.00}. Again see attatched XX/XX/XXXX statement. {$470.00} FRAUD I REPORTED ** CLEARLY DOES NOT INCLUDED {$120.00} XXXX XXXX OR {$210.00} USAA HAS CHEATED ME HOLDING ME LIABLE USAA HAS PROVIDED NO FRAUD CREDITS I AM DUE {$340.00}. SHAME ON USAA UNEARNED FRAUD INCOME.USAA HAS ALSO LIED ON MY CREDIT REPORTING I REPORTED FRAUD ON RETURNED GOODS DESTROYING MY CREDIT SLANDERING MY GOOD NAME FOR THE SAKE OF UNEARNED XXXX ) USAA XXXX NOT RESOLVE FRAUD TIMELY!! Kindly Note CREDIT CARD FRAUD CLAIM LETTER OF XX/XX/XXXX ** IS COMPLETING INVESTIGATION OF XX/XX/XXXX. IT TOOK USAA A YEAR JUST TO COMPLETE INVESTIGATION AND XXXX YEARS LATER USAA STILL HAS NOT PROVIDED THESE FRAUD CREDITS DUE ME XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/year> I sent a cash app payment in the amount of {$140.00} to an alleged company for some shoes they advertised on XXXX. This turned out to be a scam. I have XXXX messages proving this. There was no one I could contact on cash app. I did do some form of a report on cash app where I reported it as a scam but I needed to speak with someone but that wasnt an option. All cash app did was write back saying were truly sorry, but we were unable to recover your money. However, your report will help to prevent future scams. Thank you. I went through my bank and they said they did an investigation but I still did not get my money back. Cash app should have taken care of this in my opinion.
Product: Credit card

When made the first attempt to pay the card in full within the on time payment window it was denied due to using my XXXX XXXX account through XXXX. I was told to try the payments again with the card. I made XXXX more attempts to pay the card in full again each being denied this went on for a few weeks. Each person I spoke to didn't have any information or knowledge of what to do and just blamed the account I was using to pay and when I called XXXX they didn't receive the payment at all. 

Finally I just used XXXXXXXX XXXX to pay the balance. Luckily that went through and when I requested the late payment charges be returned and for them to take off the late payment that made my credit score go down over XXXX points they said no. You have to dispute. 

M & T told me to continue trying the payments which led to the payment being late. I was trying to pay off the entire balance it's not like I couldn't afford to pay it or the minimum. I made it clear to them what I was doing and I felt very discouraged with how I was treated. Now my credit has a late payment on it which I'm still in the process of disputing. 

I don't use this card and I never will again after this experience. I'm trying to pay down debt in order to buy a house and it's unfortunate that a large company like this is unable to resolve simple issues within their company. Now my house search is on hold due to there inexperienced staff and abilities to not resolve issues within their own company. 

Hope this helps someone in the future
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX - Date opened XX/XX/XXXX - BALANCE {$480.00} XXXXXXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX  {$160.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXX - BALANCE {$2500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - BALANCE {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX - BALANCE {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$500.00} XXXX  XXXX XXXX XXXX XXXX XXXX BALANCE {$500.00}
Product: Debt collection

I am a consumer of the United States Corporation. Fed Loan has violated my rights do to the FDCPA and the FCRA. I am the natural person therefore, i don't owe any alleged debt. Under the FCRA 15 usc 1681b - a consumer reporting agency can only furnish a consumer report with the WRITTEN permission of the consumer. This company has committed identity theft by furnishing this tho my consumer report. Also, in the FDCPA 15 usc 1692 ( g ) states that i am the original creditor. How can anyone try and collect a alleged debt if they are not the original creditor. I am demanding that you XXXX  out my balance. I dont owe any debt and i will not be paying an alleged debt. Therefore, i need you to stop reporting any alleged negative information to all consumer agencies and report positively on my consumer report every month with a XXXX balance. If you guys continue to do this i will pursue legal action. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip on XX/XX/202.
Product: Debt collection

On XX/XX/2019 I received by mail a earnings withholding order from my HR department stating I had a garnishment for 25 % of my biweekly earnings effective immediately! First and foremost I was never given the opportunity to defend myself at this court hearing, I was never served documentation of this lawsuit! The following issues are red flags that I have noticed immediately from this debt collector in the pursuit of this debt : *The address on the earnings withholding order is over 8 years old I believe it was the address I used on my rental application when I moved into the apartment complex owned by XXXX  XXXX XXXX XXXX . 
*I was never served by the debt collector for this lawsuit the debt collector is in possession of my current phone number and could have contacted me regarding this lawsuit by phone to confirm my current/correct address. 
*the original balance of debt owed to XXXX XXXX XXXX XXXX was {$2800.00}, the current balance since XXXX XXXX XXXX and XXXX XXXX XXXX XXXX over debt collection is now {$4300.00} that is {$1400.00} in interest and a {$65.00} enforcement fee this seems excessive. 
*I believe that they wrongfully put down the incorrect address so that I was not able to defend myself in court and so they would get the full 25 % garnishment amount from my paychecks.
Product: Debt collection

XXXX Was due to the company for missed payment. Arrangements was made three days ago for 2 payments of {$600.00} for the months of XXXX and XXXX. XXXX debt was paid XX/XX/2018 in the amount of {$600.00} as arranged. I still received a debt collection call from Credit Acceptance corporation to XXXX the full amount and they were very forceful!!! 

I told them that I paid yesterday and I told hem not to call me anymore unless I am late for XXXX. But they will call again and I need it to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see my previous Case Number for - XXXX. 

Capital one said the inquires on my account will be removed but it still hasnt for my XXXX  XXXX XXXX XXXX score and fico score. I was advised to wait 60 days for the changes to reflect and have those inquires removed but up until now it stills shows capital one inquires on all my credit reports. please see attached letter you sent me. 

am in the middle of applying for my mortgage so please set urgency.
Product: Debt collection

I recently received a noticed from FarMar Law Group who is representing XXXX XXXX whose parent company is XXXX XXXX. The noticed states that I have a settlement against me and Im not sure why this is happening. 

In the early XXXX I received letters from XXXXXXXX XXXX  regarding an outstanding debt. I contacted XXXX via telephone asking them to mail me all the paperwork proving that I owed XXXX XXXX and the contract I had signed with XXXX XXXX regarding the debt owed. I never received any correspondence from XXXX on my request and now Im receiving this notice. I know that XXXX XXXX and its parent company XXXX XXXX is being sued by the CFPB because of its tactics.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Customer Financial Protection Act ( CFPA ), 12 U.C.S. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumer with the necessary proof of investigation.
Product: Checking or savings account

XXXX & XXXX Check number XXXX was written to me by XXXX XXXX XXXX ( my wife ) on XXXX XX/XX/XXXX. I deposited the check to my Pentagon Federal Credit Union ( PENFED ) checking account, via ATM at XXXX XXXX, VA on XXXX XX/XX/XXXX. XXXX & XXXX indicates the check was cleared on the same day ( XXXX XX/XX/XXXX ). Subsequently the check was presented to XXXX  XXXX XXXX on XXXX XX/XX/XXXX. PENFED received a PAID ( duplicate item ) adjustment from the Fed on XX/XX/XXXX and did a debate adjustment on XX/XX/XXXX. PENFED reversed the deposit while XXXX & XXXX debited my wife 's account. I have attempted to resolve this issue with both PENFED and XXXX & XXXX, without success, with both institutions indicating the other would have to act. Copies of the check with both the PENFED stamp and the XXXX  XXXX XXXX stamp are available upon request. 

The last time I physically handled the check was on XXXX XX/XX/XXXX when I deposited it in the ATM. How it was deposited a second time does not seem to be of any interest to either institution.
Product: Debt collection

I have received a number of calls from XXXX regarding the collection of debts against my estranged parents which I have tried to tell the collectors. I assume they think I 'm lying about not knowing the whereabouts of my parents so they have continued to call me. Last week they began calling my husband. I have asked them not to call again and/or told them I do n't have contact information for my parents but they continue to call us.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( s ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 
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 CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS ; AMOUNT IN HIGH CREDIT IS ORIGINAL CHARGE-OFF AMOUNT I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Section 605B