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

In XX/XX/2015, I purchased a brand new XXXX XXXX from XXXX  XXXX in XXXX XXXX, New York - with Chrysler Capital as the lender. Unfortunately, while I did not want to purchase this vehicle, my other vehicle had broken down and I needed transportation to and from work. My interest rate is 23.07 % and Chrysler Capital refuses to work with me. The term of my loan is 80 months. I have been paying on the vehicle for four years and I still owe {$24000.00}. Given the high interest rate it is impossible to make the monthly payment on time and because so much is owed on the vehicle, no other lender is willing to refinance it. In addition, this is ruining my credit. 

I have requested a copy of my credit score from when the vehicle was purchased from both the lender and the dealer. However, neither party will furnish same. Prior to purchasing the vehicle, I had inquired about a used vehicle from another dealer ( also financed through Chrysler Capital ) with an interest rate of 13 %. When this dealer ran my credit report, it was well over a 600. When I arrived at XXXX XXXX, I was told a used vehicle was not an option for me and that I had no other choice but to purchase a new vehicle. Given that we were in a hardship ( being down to one vehicle ), I feel my wife and I were preyed upon by the dealer and the lender. 

Furthermore, we were talked into purchasing an extended warranty and GAP. We were told by purchasing this coverage we be saving 1.5 % on our interest rate. This is usury! 
In addition, when we call Chrysler Capital. We get nowhere. They stated that they do not refinance and our only option is to pay it.
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 privacy and confidentiality under 15 USC 1681. The letters are stated with items and issues. 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 writing to formally dispute certain inaccuracies in my credit report and to address issues related to the timing of my payments under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
XXXX. Dispute of Credit Reporting 15 USC 1681 ( A ) ( 2 ) Under 15 USC ( A ) ( 2 ), I have the right to dispute information that I believe is inaccurate or incomplete. I have reviewed my credit report and found the following discrepancies : Account XXXX XXXX : Dates : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Date of Last Activity Inaccurate XXXXXXXX XXXX  Experian Last Activity Inaccurate XXXX XXXXXXXX Last Activity Inaccurate XX/XX/XXXX Amounts XXXX  I am requesting the removal of late payments of inaccuracies...
Product: Debt collection

On XX/XX/year>, I requested a copy of All original contract agreements, the option for dispute notifications and the notification dates associated be sent to me from representatives of each credit bureau. The XXXX rep I was able to speak to said she didnt have the information I was looking for and couldnt help me furnish it. Transunion hung up on me XXXX times, ( please check the call logs ) and XXXX said to reach out to the original creditors, as this would be their responsibility to provide. I truly feel like my consumer rights have been violated and that I am being unfairly taken advantage of. This goes against everything I read in the FDCPAs Section ( s ) 8 & 9 from as far as I can tell. Please help! 

Thank you
Product: Debt collection

I am submitting this formal complaint against AWA Collections for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., in connection with their repeated and harassing attempts to collect an alleged debt. I do not have any knowledge of this alleged debt, nor have I ever conducted business with AWA Collections. They have failed to provide any valid verification of the debt they are attempting to collect and have engaged in unlawful and deceptive practices, including falsely representing themselves as a legal entity.

1. Violation of FDCPA Section 805 ( 15 U.S.C. 1692c ) Communication without Consent AWA Collections has repeatedly contacted me via phone without my prior consent and in violation of 15 U.S.C. 1692c ( a ). At no point have I given them permission to contact me regarding any debt or otherwise. I have no contractual relationship with AWA Collections and have never entered into any agreement or transaction with them. These unsolicited communications constitute a direct violation of the FDCPA, which prohibits communication with consumers without their express consent, particularly when no prior business relationship exists.

2. Violation of FDCPA Section 806 ( 15 U.S.C. 1692d ) Harassment and Abuse AWA Collections has engaged in harassing conduct by placing numerous unsolicited and unwelcome phone calls, in violation of 15 U.S.C. 1692d. The FDCPA expressly forbids a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. The repeated calls, despite my lack of acknowledgment of the alleged debt and my demand to cease communications, amount to harassment.

3. Violation of FDCPA Section 807 ( 15 U.S.C. 1692e ) False or Misleading Representations AWA Collections has falsely represented themselves as a legal entity in attempts to collect the alleged debt, in direct violation of 15 U.S.C. 1692e. This section prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. AWA Collections has attempted to mislead me by falsely implying legal authority to enforce a debt I do not owe and for which they have provided no valid proof.

4. Violation of FDCPA Section 809 ( 15 U.S.C. 1692g ) Failure to Validate the Debt Despite repeated communications from AWA Collections, they have failed to provide any documentation or evidence to substantiate the existence or validity of the alleged debt, in violation of 15 U.S.C. 1692g ( b ). The FDCPA mandates that within 30 days of the initial communication, a consumer may request validation of the debt. No such validation or verification has been provided, leaving the nature of the debt and the legal right to collect it in question. 


Thank you for your attention to this matter. I look forward to the swift resolution of this complaint.
Product: Credit reporting or other personal consumer reports

Dear Equifax, You are in Violation of the Law. YOU ARE WILLFULLY NON-COMPLIANT. I AM A FEDERALLY PROTECTED CONSUMER AND I RESERVE THE RIGHT TO PRIVACY. YOU HAVE A GRAVE RESPONSIBILITY TO UPHOLD THIS! YOU MUST RESPECT MY RIGHT TO PRIVACY. I UNDERSTAND THAT YOU ASSUMED A ROLE IN ASSIMILATING INFORMATION ON ME A FEDERALLY PROTECTED CONSUMER!!! ***IN ADDITION, I DO NOT CONSENT TO YOUR E-OSCAR VERIFICATION*** Pursuant to 15 US 1681a ( 2 ) you can not report any information solely as to Transactions or experiences between the consumer and the person make the report. I am the consumer and Person is the cooperation. You have reported a collection, Derogatory and a Charge off on my consumer report. Pursuant to 15 USC 1681a ( 2 ) to states that you can not report EXPERIENCES or TRANSACTIONS on my consumer report. Collections, Derogatory and Charge off are Transactions by definition so this a clear violation of the LAW. Pursuant to 15 U.S.C. 1681 Congressional Findings and statement of Purpose ( 4 ) there is a need to insure that consumer reporting agencies exercise their GRAVE responsibility with fairness, impartiality and a respect to the consumer right to PRIVACY. You have violated my privacy and you didnt exercise your Grave responsibly prior to adding these items to my Credit Report. YOU MUST RESPECT MY RIGHT TO PRIVACY or you will be liable for Financial Damages this have cause me. YOU NEVER HAD MY PERMISSION TO REPORT THESE THING ON MY CONSUMER REPORT WHICH NOW IS NOW CONSIDERED FRAUD!!!
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2018 Time : approximately XXXX On the above mentioned date and time I had an unauthorized purchase transaction commence. The transaction was only for {$4.00} ( {$3.00} ethereum, {$0.00} coinbase fee ) but it was still unauthorized. I had no reason to believe that my phone had been hacked or compromised and no reason to believe my password was compromised. My phone was literally in my pocket when I got the e-mail congratulating me on my purchase. This scared me because it could have been for a lot more money and also could happen again. 

I immediately called coinbase and I got a phone representative whom seemed extremely unprofessional. I actually double checked the number I called and the e-mail to see if it was a scam e-mail and I felt a bit uncomfortable giving my information over the phone to this person so that they could verify me. However the phone number was legitimate and matched with information from the internet so I went ahead and gave the information, after all i needed to stop any future transactions from occuring before they happened. The representative sounded like he literally just woke up and that it was a burden for him to be on a call with me. 

The rep gave me incorrect information saying I could just sell the ethereum back and get my {$4.00} back. I told him i would prefer to have the account immediately frozen so no future transactions could go through. He did this ( note it took him probably 20 minutes to freeze the account while I was on hold ). 

Coinbase did their investigation and on XX/XX/XXXX, at XXXX I got an e-mail from XXXX ( Coinbase Support ), who concluded that " our records indicate that the transaction in question was initiated from within the Coinbase mobile app. '' Also, that they couldn't process a refund. Also with some questions about if my phone is rooted or jailbroken ( which it is not ). 

I have no reason to believe that my phone has been compromised as I hadn't installed any apps for maybe over a month, and no other accounts on my phone appear to have been compromised. I honestly believe that this was an insider transaction from within coinbase to try and steal {$1.00} in fees. Consumers are not likely to make a big deal about losing {$1.00}, however that's very unethical and illegal and I would like to CFPB to investigate to see if this is a common occurence at coinbase. Maybe they hope that most people won't complain about the small fee and target inactive accounts ( my account had been inactive for months when this happened ).
Product: Debt collection

STEVEN BUSINESS SERVICES HAS LISTED ON XXXX  FOR TOWN OF XXXX WITH NO AMOUNT OWEING - THIS SHOULD BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and let them know that I have been a victim of identity theft which they deleted two accounts but left two accounts untouched. Please delete the remaining things from my report.
Product: Mortgage

I had a 1st and 2nd mortgage with US Bank and was shopping around to refinance. US Bank offered me a reasonable consolidation loan on approximately XXXX XX/XX/2019. I spoke with a loan officer named XXXX XXXX who recommended that I include the closing costs of the new loan, among other reasons so I would be paid out the total escrow in my former 1st mortgage. That's what the Closing Disclosure document reflected, and based on that document, I closed on the refinance on XXXX XX/XX/2019. Subsequently, I should have been paid approximately {$4700.00} from my former escrow at closing. Instead, today I received a check for {$550.00}. I called US Bank and emailed Ms. XXXX. Both responded that the other funds had been " used '' at closing. Ms. XXXX first sent me the Closing Disclosure of someone else -- that person 's name, address, and personal information was on it. Then she re-sent me the correct Closing Disclosure document as well as a payoff statement dated XXXX XX/XX/2019. I was never shown that payoff statement prior to closing, and it does not reflect what I heard Ms. XXXX tell me. 

US Bank has been unprofessional and has engaged in a bait-and-switch as far as I can tell. It appears to be some type of fraud.
Product: Credit card or prepaid card

XXXX XXXX received CitiBank Card. 
Had promotional period of 0 % for 21 months for balance transfers- until XXXX. 

May- did XXXX transfer, tried to do another, Had numerous problems. Did not go through initially, called, on hold for over an hour, no one could help me. Finally got a hold of supervisor, her name was XXXX, on XXXX XXXX, she personally did the transfer, then a few days later, I get an alert of fraudulent activity on my card- I tried the chat box, no avail, I called, no help, called again, again, again, Called yesterday, on hold again for over an hour- problem was never fixed. She kept putting me on hold, Had no idea what she was doing. Finally, she came on and said they could send a paper check for the transfer. Then, on hold again, came back and said they couldn't even do that. I asked why???? Couldn't answer me. 
I finally gave up, canceled the card called to complain, hard to get a hold of anyone. 
No one to file a complaint with. Called Corporate, they only handle " public relations " WHAT THE XXXX IS GOING ON??? 
GOOD LUCK- THEY DON'T GIVE A XXXX ABOUT THEIR CUSTOMERS! 

I am a responsible consumer trying to pay off medical debt. My husband died last year, had lots of medical debt. This was a perfect solution for me Now, I have to take out a personal loan, with a higher interest rate. 
Great way to treat a XXXX Veteran! 

PLEASE DO SOMETHING! 


XXXX XXXX XXXX XXXX
Product: Checking or savings account

Today, my account was restricted due to the reversal of a transfer from my other bank. When I called my bank to clear up the situation they advised me I had to wait three business days for my case to even be assigned to an agent. They provided no timeline for when my funds would be made available again. I asked to speak to a supervisor and was told that was not possible. I filed a complaint internally with the bank. I advise them that I had several withdrawals of coming including my mortgage payment.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$800.00}
Product: Money transfer, virtual currency, or money service

Attempted to sent money via XXXX to our son via online ; XXXX  held our money for 30 days and then cancelled the transaction and said we could not send money via online anymore ; we send money to our son once a month, {$40.00} at a time, and now we are banned because flagged as fraud ; then we have to deal with third world customer service, who we can not understand over the phone, finally today over a month later were told the transaction would be cancelled and we would be refunded our money .... we'll see.
Product: Debt collection

Credit Collection Svcs has not sent me any correspondence about this alleged debt of {$220.00}. I only learned about this alleged debt from viewing my most recent credit reports. This company, Credit Collection Svcs has reported this unverifed debt to all three of the major credit reporting agencies, XXXX, XXXX, and XXXX. 

I sent Credit Collection Svcs a letter, which they rec'vd XX/XX/XXXX, requesting that they validate this alleged debt and send to me the following information. Name and address of original creditor, original date of alleged debt, a detailed account history, and most important proof that they have the legal right to collect said debt, including the purchase agreement between XXXX XXXX and the alleged original creditor.
Product: Checking or savings account

Navy Federal Credit Union ( NFCU ) does not meet the most basic expectations of checking financial services ; rather, it is a bag of XXXX  services that forces customers to manage their own checking needs using third-parties. First, I attempted to order checks. I was redirected to their XXXX  service which stated it would take XXXX month. The checks failed to ever be delivered, so I had to cancel the checks and create a new account in the event that the checks were stolen. Second, I had to order checks XXXX more times because the names on the checks were incorrect. Third, once I had the checks and transferred our joint account to a new checking account, the NFCU bill payments service, XXXX, attempted to make a payment with the old account, which of course failed. Because of this non-sufficient funds ( NSF ) error, my wife was unable to make payments from our new checking account. This appears to have affected our credit score, which Im attempting to confirm. Fourth, instead of fixing the problem, NFCU forced me to call XXXX multiple times to reach their customer service to fix the problem. Each time the XXXX automated call routing machine stated that I would be re-directed to customer service, XXXX ended the call. In all, I made XXXX calls to both NFCU and XXXX and was never able to use my checking account to make payments. Im reviewing banks and credit unions for where to move my funds, now. NFCU expecting me to manage their 3rd-party XXXX  services is outrageous and is exactly the reason the US has regulatory agencies. Please enforce compliance actions upon this institution.
Product: Mortgage

My mortgage servicer has not been applying my payments to my principal. My mortgage principal amount has barely moved in ten years despite me paying extra every month to my mortgage company
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting

Went to a dealership to buy car finance manager wanted me to go with a messed up deal little did I know he kept running my credit score and basically XXXX my credit score so I wont be able to go anywhere else my score was at XXXX and dropped to XXXX. I am going to assume he had to run it over and over and over again for it to drop so low and I was n't aware of anything until I went to another dealership and they printed out my new credit score through equifax.
Product: Credit reporting or other personal consumer reports

Equifax through use of fine print on their credit report webpage has induced me into a arbitrary agreement, preventing me from pursuing legal action against them for acts they are committing in my credit reporting in violation my rights under FCRA I therefore herein am opting out of any and all arbitration agreements that i have made within the last 30 days.
Product: Debt collection

i received a parking ticket ( for street cleaning ) for a car i don't own, never rented or leased. I don't know who the owner is or why my address was used for the person renting the car. I attempted to clear this with the city of XXXX XXXX but was ignored multiple times by them and this was sent to a collection agency ( Transworld Systems Inc. ). 

I sent this letter to XXXX : I am writing to dispute the validity of the debt referenced in the collection notice I received dated [ Date of Collection Notice ], concerning a parking citation allegedly issued by the XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

I assert that this debt is not valid for the following reasons : Incorrect Association with Vehicle : I have never owned, rented, or leased the vehicle in question. The citation was issued to a vehicle that is not, nor has ever been, associated with me in any capacity. 

Misuse of Address : The individual who rented the vehicle used my address without my authorization. This was done without my knowledge or consent, and I have no affiliation with the vehicle or the person who received the citation. 

I have previously contested this citation directly with the XXXX, including the original citation and subsequent follow-up notices. Despite my protests, the ticket was not dismissed and has now been sent to collections through your office. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following actions be taken : Verification of Debt : Provide me with verification of the debt, including a copy of the original citation, to validate the legitimacy of the claim. 
Investigation of Misuse : Investigate the misuse of my address in relation to this citation and correct the records to reflect the true responsible party.

Cessation of Collection Activities : Immediately cease all collection activities related to this alleged debt until proper verification has been provided and the issue has been resolved.

Please acknowledge receipt of this letter and inform me in writing of the steps you are taking to address this dispute. According to the FDCPA, you are required to provide the requested documentation within 30 days of receiving this notice. 

Thank you for your prompt attention to this matter.