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

Hello, I hope this letter finds you well. I am writing to file a complaint regarding the exorbitant interest rates and unfair practices associated with a commercial XXXX XXXX XXXX XXXX XXXX ) loan that I have obtained from Dakota Financial. I believe that the terms of the loan are unjust and require your immediate attention. 

On XX/XX/2022, I entered into an XXXX loan agreement with Dakota Financial to finance the purchase of a commercial vehicle. The loan amount was {$55000.00}, and as per our agreement, I made a substantial down payment of {$23000.00}. However, to my dismay, this down payment was not properly applied to the value of the vehicle, as it should have been. This discrepancy has resulted in an inflated loan balance and has placed an undue burden on me as the borrower. 

Furthermore, I recently requested an early payoff quote from Dakota Financial, and to my surprise, the quoted amount was significantly higher than what was originally agreed upon. This discrepancy is deeply concerning, as it suggests that the lender is imposing unjustified charges and fees, which are not in line with the terms and conditions of the loan agreement. 

To date, I have already made total payments of {$47000.00}, which includes the down payment and subsequent monthly installments. Despite this considerable sum, it appears that the loan terms have been structured in a manner that unfairly benefits the lender, with an effective interest rate of 100 % or higher. Such exorbitant interest rates are neither reasonable nor compliant with fair lending practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Dakota Financial for these unfair and deceptive practices. I urge you to ensure that the lender revises the loan terms to reflect the proper application of the down payment, provides an accurate early payoff quote, and rectifies the excessive interest charges. 

I have attached copies of relevant documents, including the loan agreement, down payment receipts, and correspondence with the lender, for your reference. I trust that the CFPB will act promptly and diligently to resolve this matter in a fair and just manner. Your intervention will not only protect my rights as a borrower but also serve as a deterrent against such unethical lending practices in the future. 

Thank you for your attention to this matter. I look forward to a favorable resolution.
Product: Credit reporting or other personal consumer reports

Im a victim of this data breach and I would like for this account be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my CFPB complaint to notify you that I want to delete some items on my credit file. Regardless of my previous dispute, the items listed here are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, is a willful negligence and non-compliance with federal statutes. The following items should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There is a collection on my Experian file from XXXX XXXX XXXX ( account number listed XXXX ) for an XXXX XXXX XXXX collection for {$100.00}. I disputed this with Experian and it remained on my file. 

I contacted XXXX XXXX XXXX and they have no record of this collection for me. 

This is a violation of my federal rights under the Fair Credit Reporting Act. If the company has no record of a collection, how could Experian have left this on my file after it was disputed?
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Missed Payment on Account # XXXX Dear XXXX, I am writing to formally dispute an inaccurate report on my account # XXXX. ** My records show that I made all payments on time ; however, my credit report incorrectly reflects a missed payment for XX/XX/year>. 

I kindly request that you review your records and correct this error. Attached are copies of [ bank statements, payment confirmations, or any supporting documents ] that demonstrate my timely payment. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and I ask that you investigate this matter and update my account accordingly. 

Please provide a written response confirming the resolution of this issue. If this error is not corrected, I may escalate my dispute with the credit bureaus or seek further action. Please update to PAANL I appreciate your prompt attention to this matter. Please contact me at XXXX if you require any additional information. 

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

XXXX Inquiry Date : XX/XX/XXXX Clothing Store i have never applied at this store for credit and they put a inquiry on my XXXX report. 

XXXX XXXX XXXX XXXX date : XX/XX/XXXX bank credit cards i have n't applied for XXXX XXXX XXXXXXXX credit cards they put inquiry on my XXXX report. 

XXXX XXXX XXXX : inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX put 5 different inquiries on 5 different dates on all of my 3 credit burues i have never authorize any of this inquires i have been a victim of fraud before thats why i have so many inquires that does n't belong to me.
Product: Credit card or prepaid card

My card was missing. 2 days later checking my transactions i came across 2 that i didnt make. Card is still gone so i reported it to cashapp as it was stolen. Cashapp denied my dispute but refuses to give me any documentation as to why my dispute was denied even though the denial email stared to contact their support for documentation for their reasoning. This is over {$50.00} they refuse to do something about. Not the first time. I paid for services online thru cashapp to a business account but they never did the work i paid for and they refuse to do anything then either. This is flagrantly being misleading but protecting criminals and not their consumers. They state in terms and conditions they can refund fraudulent transactions but refuse do so. I feel betrayed. They even tax me for transactions under my business account so they should be held under federal financial regulations that all banks and financial services do as well.
Product: Debt collection

After I found a billing error and requested documentary evidence after an investigation was complete, the account opened by my open end consumer credit plan was CLOSED on XX/XX/XXXX. 

Closed with clarification or documentary evidence of indebtedness. The account was closed on XXXX XXXX and an investigation was started XX/XX/XXXX Pursuant to regulations of the Consumer Financial Protection Bureau under 15 USC 1666 ( d ), a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account. 

I have attempted to resolve this on XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. 

This is not my obligation because I used my charge card issued under my open end consumer credit plan. The obligation belongs to the United States pursuant to 18 USC 8.
Product: Debt collection

Dear CAPITAL ONE Sir/Madam, THESE ACCOUNTS ARE PAID OFF ENTIRELY. I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authori

zation under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 2. Legal basis for the collection of this debt. 3. Proof of your authorization to operate in my state. 4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 5. Complete account history, inclusive of all collection-related charges. I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no acc
ount can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting or other personal consumer reports

Im unaware of this debt I didnt have an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it with my signature stating I received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 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: Money transfer, virtual currency, or money service

I was charged on my debit card from an unknown biller when trying to file dispute for the transaction I called chime and someone told me I will be receiving a call shortly when receiving the call back from chime I was told to download an app called any desk and from there all my funds was stolen how can chime let that happen
Product: Student loan

I noticed that my student loans was not XXXX balanced on my credit report and they should be. I am going to attach the form that shows I owe nothing on my loans. I need the information corrected with XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is EXPERIAN 's to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 4 unauthorised Hard enquiries on my account which are XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given EXPERIAN any right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these FRAUDULANT Enquiries on my consumer report and file. It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Checking or savings account

My name is XXXX XXXX please give me my bank statement after yall investigate all my complaints and give me the bank statement for the checking account and saving account showing the balance I have in the checking account and saving account and mail it to me at XXXX XXXX XXXX XXXX PA XXXX and also add it to the complaint add the bank statement to the complaint showing the balance in the checking account and saving account my account number is XXXX My name is XXXX XXXX XXXX and contact me at XXXXXXXX XXXX
Product: Checking or savings account

On XX/XX/year>, XXXX Bank ( on behalf of XXXX XXXX XXXX ) requested information from our company, XXXX XXXX XXXX ( XXXX XXXX ), regarding XXXX fund transfers of {$50000.00} each that were deposited into our account, related to a client ( The XXXX XXXX XXXX ). 

In response to this request, we replied via email on the same date, providing the requested information regarding these transfers. These funds corresponded to the payment of invoice number XXXX, dated XX/XX/year> ( see attached file ). Additionally, we provided the driver 's license of our client 's legal representative, along with a note addressed to our company confirming that these transfers were indeed the payment for the mentioned invoice. 

On XX/XX/year>, XXXX Bank ( on behalf of XXXX XXXX XXXX ) notified us via email that our checking account had been closed due to a breach of their Terms and Conditions and/or the Deposit Account Agreement. They also informed us that the funds deposited in the checking account are being held by XXXX Bank and that XXXX Bank would notify our company if there is any change in the circumstances surrounding this closure. 

It is very important to mention that the withheld fund belongs to the collections of another invoices related to IT consultancy and development services. 

On the same date, we communicated to XXXX Bank that, despite the account closure, we urgently need information on how and when the withheld funds will be returned to us ( since we no longer have access to them, which is causing us severe economic and financial harm ). However, we received another entirely ambiguous response, repeating that our money is being held without addressing our inquiry on how and when we will be able to recover our funds.
Product: Debt collection

on XX/XX/2022 a company called ERC reached out to me about a debt from XXXX XXXX. They told me I owed a debt from 3 years ago, which confused me because I am still an active XXXX customer. I called XXXX, they said the debt was for old equipment which I didn't give them back after moving, I called back ERC and paid the debt. 

My wife then told me she paid for setup and the tech took the equipment. XXXX has since verified it does in fact have our equipment. They " accidentally '' sent me to collections because they never even checked their own systems at any point over 3 years for my equipment. XXXX is now refunding what I paid ERC but is being extremely difficult and told me it may only refund me in prepaid gift cards. However my credit score dropped XXXX points on XX/XX/2022 over a false debt which XXXX should have caught much earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and continually tried to gather a credit report/score from BOTH Equifax and XXXX  with no success. Both of these websites are down and in Equifaxs case, so is the phone number they tell you to call if there is a problem. I have tried for over a Month with BOTH of these credit companies to produce my reports and scores in response to either a free request or a suspected fraud request and they have yet to be able to fix the websites to be able to do so. My credit scores are a huge determinant in my future and I am trying to actively gather and repair improper collections accounts and both of these cant produce reports.
Product: Credit reporting or other personal consumer reports

Equifax has had a data breach and I was a victim of this data breach which has lead to identity theft. I have said sent these things to the credit agency and they have refused to delete it. THIS IS ILLEGAL. And they continue to keep illegal accounts on my credit report. this is according to the FCRA 15 USC 1681 section 623 ( a ) ( 6 ). and actually there is many different violations. So I demand that these excessive inquiries be deleted along with these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

And because this will be deleted off my credit due to illegal practices. It is illegal that the the same thing must be reported on all three major credit bureaus. So I demand a deletion immediately!!!
Product: Credit card

I consistently pay on time and am certain of my punctuality. However, I'm puzzled as to why this company is marking me as late in some months, which is incorrect. Under USC 1666b, billing errors must be corrected immediately.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

I am trying to send a purchase agreement to get reviewed to have a foreclosure sale postponed. I called XXXX to reach the assigned customer assistance manager He was not in. I was transferred 4 times to different people who did not know where I should send documents or the process. I was even told to call the foreclosure attorney who stated they have to get instructions from Bank Of America and that Bank of America should not have told me to call them Then I called back and reached an office in N Carolina and went back and forth with a rep named XXXX for 92 minutes as he could not find anyone to answer the question Then he said all managers were in a meeting .This was at XXXX XXXX and he said I would get a call back. No one called
Product: Checking or savings account

XXXX XXXX -- Division of Webster Bank I went to access my account on XX/XX/year> and XXXX issues : XXXX They no longer use XXXX to manage the funds and was not clear how to move funds without any fees or tax issues. Website was not helpful and Customer Service was clueless XXXX Was never notified of this change and was not aware of any actions required of me XXXX Went online and could not access my account. Called customer service XXXX different times and they could not provide a solution -- said that it must be a browser issue and I needed to use XXXX XXXX browser as their system can not support XXXX, XXXX or XXXX. Never had this issue in the past
Product: Mortgage

I have not apply for this home equity and have not authorized the credit check. They did anyway without my authorization. 
I 'm very upset that this happening.