23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, I agreed on a {$500.00} loan with XXXX XXXX XXXX. 

On XX/XX/XXXX, I had a minimum payment due for {$150.00}. I emailed and asked XXXX XXXX ( person who handles my loan ) how much my final payment would be if I want to pay {$300.00} instead of {$150.00} on XX/XX/XXXX. XXXX said after the {$300.00} is sussesfully in ( if I agree to pay {$300.00} ), the system will calculate and give the amount for final payment which is due on XX/XX/2018. He said the final payment would be {$360.00}. I havent agreed or authorized for {$300.00} to be made but {$300.00} was withdrawn on XX/XX/XXXX instead of {$150.00}. I didnt complain about it because it was what I wanted to pay. 

- On XX/XX/XXXX, i emailed XXXX to make sure the final payment I have to pay on XX/XX/XXXX to have to loan paid off. He emailed me back telling me the final payment would be {$450.00} ( instead of {$360.00} he told me ). I and XXXX were still in the middle of the confusion about why the final payment is way more than what I was told after I paid {$300.00} for the first payment. I never received a reply from XXXX. 

On XX/XX/2018, {$150.00} was withdrawn from my bank as the minimum payment due. I emailed XXXX and asked him why {$150.00} was withdrawn when I and he were still trying to work the final payment out. I wanted to pay it off not minimum payment only. He replied {$150.00} was withdrawn as the minimum payment due because there was no confirmation that I wanted to pay off with different amounts. I asked him then why my first payment was {$300.00} without my confirmation. He keeps denying it and blame on the company system - and he told me he talked to his manager and I can pay off the loan tomorrow in the amount of {$290.00}. 
In conclusion, I cant avoid the final payment in the amount of {$450.00} or higher ( even tho he told me it would be &
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the United States Code A consumer is entitled to 100 % accuracy on a consumer report. After reviewing my report Fair Collections Account # XXXX is reporting inaccurate information on my consumer report. My open date is different on all three credit bureaus, my Last Reporting date is incorrect on all three credit bureaus also my last active date is incorrect on all three credit bureaus. I would like for this account be removed as it is causes me financial harm and my family financial stress. I am unable to obtain a home because of this account and it is inaccurate.
Product: Credit reporting or other personal consumer reports

I have reached out to the company DISPUTED the charge I have provided sworn affidavits and all required information to effectively dispute the charge and invalidate the claim XXXX continues to report this on my report XXXX is in breach of contract and failing to follow FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent credit report. I've notice that Transunion, XXXX, & XXXX. All three major credit reporting agencies continuously report multiple inaccuracies and violations under fcra rules section 1681. 

Account under name # XXXX XXXX  XXXX  XXXX. 

Notice two accounts 1 ) XXXX XXXX and XXXX original creditor ; XXXX balance {$3500.00} XXXX ) XXXX XXXX and XXXX original creditor ; XXXX  XXXX XXXX  XXXX  balance {$1900.00}
Product: Debt collection

ok so the credit agency have just completely disregarded my consumer identity and i want to know how is it even remotely possible to report inaccuracies on my credit report without my consent? there is mistake after mistake on my consumer report? how many laws will they be able to break. how much of my livelihood will they be able to destroy? account in question XXXX they have violated my rights. how can i have a account reporting on my consumer report without my consent.i did not give a third party to report this bill and it is not legal please validate by providing the origional contract also show where i signed to pass this debt to a collector. they have violated hippa privacy laws. they are also still in the 12 month grace period and shouldnt be reporting the credit agency in question has completely mishandled my credit report and violated the following laws 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 disputed an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> it is reporting on my credit report yet equifax responded saying that they can not locate my credit file or that they do not have record of account on report.i am attaching a recent copy of my credit report from equifax which clearly had this account on my report. Reporting negatively
Product: Student loan

Kept signing on and it would not let me sign in. On the other hand, XXXX gave me the link and it worked. For this fraudulent website, it asked for my ss # and it did not let me retrieve my USER ID or password. I also put in my correct information and it still did not let me log in.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchase {$20000.00} in crypto thru Robinhood app I purchased it at {$55000.00} and Robinhood said I purchase at XXXX, I took a huge lost which I never recover the money to this day, I do have proof of my transaction, I've tried for a week to call them but they don't have a contact info just an automated email that does not answer my question. 
I tried to search the internet of other if this was normal and I found out that I'm not alone on this. Please help
Product: Credit card

Im confident that I pay on time, so I dont understand why this company is reporting late payments. Under USC 1666b, errors in billing should be corrected, and my account should show as paid as agreed.
Product: Credit reporting or other personal consumer reports

I arrived at this dealer and found out about the bad practices they are doing. First, they didn't tell me that the car had XXXX accidents, I had many mechanical problems and I gave it up voluntarily. They sold me an overpriced vehicle. Now they are charging me a sum of {$16000.00}. This account is XXXX financing, account number XXXX. This problem is destroying my credit and my finances, as well as my family. I have been a victim of fraud and deceptive practices, lying and theft.
Product: Money transfer, virtual currency, or money service

I attempted to sign up for MoneyLion and an error message alerted me that my SSN was already attached to a profile. I called MoneyLion and asked if they had an additional profile attached to my XXXX and they opened an investigation. The issue was not resolved so Ive been calling and was told there was nothing they can do. Someone has taken cash advances under my identity and apparently MoneyLion has not closed the account. MoneyLion does not appear to ever verify identification outside of asking for self-identification through an app.
Product: Credit card or prepaid card

Bank of America accepted over payments for approximately XXXX dollars and I have been arguing with them for a week about getting the money back I have called many times and I keep being told different. things. 
I need the money back and currently have XXXX credit cards that are negative balances of XXXX combined. 
They put me on hold and promise things and don't deliver payments made XX/XX/XXXX calls made daily since XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, U.S. DEPT OF EDXXXX Account # XXXX , XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX , XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Transunion, XXXX, XXXX. dear XXXX XXXX XXXX formal dispute regarding inaccurate information, I'm writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being I'm aware of my rights under the fair credit reporting act and request a thorough investigation into these inaccuracies, as required by federal law. recently the consumer financial protection bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing ''sham investigations ''and other unlawful practices .these practices. as outlined by the CFPB, include .conducting inadequate investigations that fault address consumer disputes properly .reinserting previously disputed and inaccurate information without explanation.
Product: Vehicle loan or lease

I got a loan from santander consumer USA, I TOLD THEM THAT I JUST HAD PAID THE AMMOUNT OF XXXX $ THE LOAN WAS FOR XXXX AND WHEN I OPENED THE ACCOUNT TODAY TO SEE PAYOFF AMMOUNT MY OAYOFF AMMOUNT IS ALMOST XXXX SO I CALLED THEM THEY TOLD ME THAT MOST OF MY PAYMENT WENT TO INTEREST AND MAYBE JUST 10 % WENT TO PRINCIPAL I CANT AFFORD ANY MORE PAYMENT I HAVE TO FEED TWO KIDS AND IS VER HARD FOR ME PLUS GAS AND OTHER STUFF I NEED HELP TO WORK OUT WITH THEM PLEASE!
Product: Credit card

On XX/XX/2022 I, the natural living man and consumer applied for credit with PayPal Credit Reference # XXXX and was denied. But how can I be denied when PayPal is utilizing my application through their securitization process and then selling it to third-party investors. PayPal brought nothing of equal consideration to this transaction, but are monetizing my application and are getting paid every month from said transaction. The moment I sent in the application with my signature, PayPal took the eligible security and are making profit off of it while denying me access to my securities. This is Securities Fraud, violation of the Equal Credit Opportunity Act ( ECOA ) 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ). " Regulation B protects applicants from discrimination in any aspect of a credit transaction ''. Credit transactions and aspects of credit transactions include : Consumer credit Business credit Mortgage loans Refinancing Open-end credit Credit applications Standards of creditworthiness Denial of credit Servicing and collection Revocation, alteration, or termination of credit and the Consumer Credit Protection Act.

Everything I have mentioned can be confirmed in the PayPal 10-K Form filed with the Securities and Exchange Commission file number XXXX, ( I.R.S. Employer Identification No. ) XXXX. For example, on pages 8, 24, 37 on the 10-K form talked about how PayPal generate revenue from the loan receivable from their customers. I have attached snippet of that filling for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking over my credit, I realized that there are some accounts that are incorrect. These derogatory accounts were not approved by me and are not mine. There is not anyone other than myself who has access to my credit report so I do not know how something like this could have occurred. Please investigate this issue and have these false accounts deleted from me credit file. I am unable to acquire new credit now because of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts or inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint against Experian regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian to dispute certain information that I believe is erroneous. However, I have not received any response or resolution from Experian to date. The following are the details of the disputed accounts and the required corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Because of the incorrectly reported data, I request that Experian verifies the accuracy of the Balance of {$1000.00} for this account. I do not recall owing such a high amount, and the Past Due amount should not be provided for this closed and charged-off account. Please mark this account as disputed to prevent any further negative impact on my credit score. 


Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX require Experian to verify the information reported for this account, as the Balance of {$330.00} is inaccurate in my recollection. The Past Due amount should not be presented for this closed and charged-off account. Kindly mark this account as disputed while I resolve my dispute with the creditor, so that it is not held against my credit standing. Moreover, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX XXXX XXXX SIMP Date Opened : XX/XX/XXXX Balance : {$0.00} The following account is not mine, and I request Experian to remove it from my credit report. 


Account Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$600.00} The following account is not mine, and I request Experian to remove it from my credit report. 


Account Name : XXXX FIN Date Opened : XX/XX/XXXX Balance : {$10000.00} This account was never late, and I request Experian to correct this inaccurate information on my credit report. 


Account Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$600.00} This account was never late, and I request Experian to correct this inaccurate information on my credit report. 

I am deeply concerned about the inaccuracies in my credit report, as they have significantly impacted my creditworthiness. These errors have the potential to affect my financial opportunities and obligations adversely.
Product: Mortgage

In 2014 I called customer service regarding {$10000.00} in mortgage payments that were never applied to my account. The issue was never resolved, and the house has since been foreclosed.
Product: Mortgage

In XX/XX/XXXX, my 3 bedroom mobile home was repossessed by GXXXX XXXX XXXX after I paid well over amount financed {$17000.00}. I called to ask them my payoff and they gave an outrageous price and company financed in my cousins name when initially he was my cosigner which they never corrected. The mobile home sales person gave me all the information and told me to call the finance company for questions due they had been paid. Green Tree called back in two weeks stating they were pulling the home for no payment. I had already paid on this home since early XX/XX/XXXX's. It was first financed under another company, then XXXX XXXX, then XXXX XXXX XXXX. I asked them what happened to all the money I paid XXXX XXXX  and they stated it was transferred to Green Tree. I was taken for thousands of dollars and still haven't heard anything from them. I called for up to two years now and still no settlement to me as promised. This is simply fraudulent and now they are stating they are Ditech. How do I get my money back? This is so unfair. I even called consumer affairs and channel 5 news to report. Please assist me with my issue by responding who I should contact to resolve this. Thanks
Product: Mortgage

I switched insurance companies with NewRez mortgage over a month ago. I was contacted by the insurance company stating that they never received payment. When attempting to contact the mortgage company about this they were impossible to get in touch with and when I did, NewRez created false information. I was told a number of things by different agents. I was told I did not have a mortgage with this company, I was told a check was mailed, and I was told they did a wire transfer. Finally, I called and said I need to speak to a supervisor, as I am now getting letters saying they are canceling my insurance. When I spoke to a supervisor, they stated that they had no documentation of this issue ( despite multiple emails and other representatives being able to pull this information up in the past. ) I told her that this was serious and this issue needed to be resolved and the agent hung up on me. I have been trying for well over a month to get this resolved. However, it is hard to know when this will be resolved due to NewRez agents lying to me about what has/has not been done. I have documented all of this in email. I was also told by the insurance company that they frequently see this with NewRez insurance and they almost always fail to pay insurance through escrow. I am concerned that NewRez is scamming customers and keeping escrow money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, These are the inquiries as shown below which was never acknowledged or approved by me but I see them outstanding on my Credit Report. I have reported to the respective credit bureaus to remove them as they are not acknowledged but there is no action or feedback from their end. Please help in removing these inquiries as I have have never provided any consent for any of them. Thanks, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX Personal Loans Companies XX/XX/XXXX Equifax XXXX Personal Loans XXXX XX/XX/XXXX Equifax XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Debt collection

Over the past 2 days, XX/XX/XXXX & XX/XX/XXXX, I have received 5 calls from New Era Asset Management ( XXXX XXXX ) seeking restitution for a past due credit card bill. But, I have been harassed by one individual, a " XXXX XXXX '', who evidently works for this company. He called me all 5 times : 2 separate voicemails and 3 direct dials. I called the company back and settled the debt, closing the account. 
However, this is a complaint of the excessive calling which I have received. I feel that this is credit harassment by New Era Asset Management. 
On XX/XX/XXXX, I filed a report with the XXXX XXXX XXXX, XXXX, New York, requesting that no further contact be made to me by New Era Asset Management.
Product: Debt collection

Had a Auto loan with Santander. The car transmission failed and I contacted them to see if they could extend the payment to allow me to save and par for the XXXX repair that was quoted by XXXX. They refused and said no, they could not do it so I told them they can come and pick up the car. All this was during the pandemic and I noticed on XXXX XXXX that the loan was written off as a bad debt. I was surprised they wrote it off as a bad debt while the car was still in my driveway. About 6 -8 months later, I woke up and the car was gone. My complaint is the fact that they violated the law by not letting me know the car would be sold at an auction. I did not receive a letter until after the car was sold, Nonetheless, the interest rate that Santander charges on consumers is outrageous. They have also sold the loan to a collection agency which I am confused about. I would be more thank happy to work with Santander on resolving this issue but I think its unfair that this doesnt was sent to collection after the car was sold and written off as a bad debt and without notifying me of the auction.
Product: Debt collection

On the same day, I received two different letters, one from XXXX XXXX XXXX XXXX and one from XXXX XXXX XXXX XXXX, both asserting PayPal , Inc. as a creditor. The XXXX amount was {$620.00} and the XXXX XXXX amount was for {$50.00}. I checked with PayPal. I have no debt. My account is clear. None of the account numbers on the debt collection letters are mine. Both were mailed to an address I moved from 12 years ago, in 2006. This is clearly identity theft.
Product: Vehicle loan or lease

I had leased a motorcycle through XXXX XXXX in XXXX, FL. They go through a leasing company located in CA called MOTOLEASE. After I got the motorcycle in XX/XX/XXXX I made the payments of {$240.00} a month they were directly taken out of my bank account for a year and a half. I then realized my balance was not going down. Mind you this is a used motorcycle. I reviewed the contract they wanted me to pay XXXX $ plus another {$7000.00} after the completion of the loan to keep the bike ( XX/XX/XXXX XXXX XXXX  ). A brand new XXXX bike costs this much! I decided to terminate the lease properly. I handed the papers and the bike back over to XXXX XXXX within 10 days of calling them and letting them know I was going to do so. Now after two years they have not picked the bike up, they put on my credit I owe them {$14000.00} and the bike is in involuntary repossession. I have the paper work, email ( from the manager stating I did my part ) and several phone calls made to Motolease that I had attempted to rectify the situation. Now I can not even get a car in my name because it brought my credit score down so low. when i contacted the manager at XXXX XXXX he stated the bike was still in their shop and not surrendered by moto lease ... .this should not be affecting me i did my part right. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with a supervisor and 2 employees, explained that I had an unauthorized inquiry on my credit report. I contacted the original creditors and they sent me supporting documents stating for the unauthorized inquiry to be deleted. The company never deleted the inquiry after multiple request.