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

This is concerning a loan at Americas Car-Mart . Purchaced a XXXX XXXX XXXX, vin # XXXX on XX/XX/XXXX with high mileage of XXXX, XXXX for {$8900.00}, a service contract for {$620.00}, service and handling fee {$35.00}, a debt cancellation agreement, with {$400.00} down pmt. Financed amount for total of {$9800.00} with an interest rate of 16.50 % ( {$2400.00} ) total of {$12000.00}. Weekly payments of {$85.00} ( XXXX ) that start XX/XX/XXXX and end XX/XX/XXXX. On XX/XX/XXXX the vehickle was reported stolen to XXXX XXXX XXXX XXXX. Incident report # XXXX. Report was available on XX/XX/XXXX and taken to Americas car-mart at XXXX XXXX XXXX, XXXX, ark. XXXX, and given to the clerk XXXX XXXX to make a copy for XXXX and XXXX XXXX, finance officer and manager. She told me to continue making pymts and had me sign an arrangement which I contested and argued about the debt cancellation I purchased which was for this protection if it was stolen. She never got back to me to tell me if I was covered and so I called and she said that they were not going to honor it based on that I was trying to sell it and it was suspicious and I said that I meet all the criteria and reporting for this agreement. I was getting my credit repaired and back to. A good rating when I saw they reported it to credit and listed as derogatory not paid. I called home office in XXXX and they were going to investigate and never got back with me and screened me out. I reported to XXXX online to mediate this and get it off my credit report. XXXX months passed and I recieved a letter from XXXX XXXX hospital security that I needed to move this vehickle that was stolen, I called car-mart and they went and got the vehickle, auctioned it off and added to what they say I owe of amount {$5900.00} now {$6400.00} and have it listed on my credit as a Repossession!!! I am enraged and cant believe e the nerve. I had XXXX months of pymts left. If they arent going to honor an agreement they pushed on me and not even refund that amount from what was owed and sell it for nothing to make sure of a debt, is discerning. This company has a triple XXXX rating and have forums that range in the thousands for customer complaints. I dont know how they can be in business with high interest, unhonored agreements they push that cost me {$1100.00}. I just want them to clear my credit and pay for the damage and loans I cant get because of this. I have read about other class action claims one called XXXX, XXXX Tx. Cant remember other one that is exactly the same thing that was done for gap. They think that no one because of poor credit is why you buy from them, and I hear they only submit some to credit bureaus and try to keep you down if they feel you may sue.
Product: Mortgage

Tried to log on to seterus.com to make a payment, multiple times. Each time I received an error message that directed me back to the main page. Attempted to make a payment via the telephone service. Made it part way through the service and received a recording stating that they were having technical problems and was disconnected.
Product: Checking or savings account

On XX/XX/2018, Capital One restricted Access to my 360 Account and sent me an email informing me of this. The funds that are in the account are not accessible and I am not able to talk to a person, because the number I have been given to call is sent straight to voicemail. There has not been fraud on the account and no one has commited an illegal act. I do not understand the reason as to why my money is indefinately on hold,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Debt collection

American Express continues to harass me even though they know I have no ability to provide any payment, am unemployable due to XXXX  illness. I was recently diagnosed with XXXX and additional XXXX  illnesses and are they are stating to me that collecting the balance on my card is more important than the value of my life. I do not have a source of income. I am unable to work, am under XXXX and XXXX  care and have been admitted in to the hospital on XXXX XXXX The company does not care if I XXXX XXXX due to their harassment. The company agreed to stop contacting me due to my XXXX  condition, but again today they called me to harass me even knowing the XXXX  of my XXXX state and XXXX XXXX. 

They have already violated the law by continuing to contact me after they said their calls would cease.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

Wells Fargo Home Mortgage has been stalking my home for months due to my family not being able to get the monthly payments in on time. The past two days I have been approached by one and followed by another. Which resulted in XXXX phone calls to the mortgage company to cease and desist having my home watched and was told they would not stop. This in turn resulted into me calling my local police department to file a formal complaint for stalking on a daily basis and harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. On XX/XX/2020 an account by XXXX XXXX XXXX was put on my report that is not mine. I contacted XXXX to take it down immediately because I filed an FTC report. For one month XXXX has knowingly had a fraudulent account on my report. This violates the law and is a inhuman act that can not be tolerated. 
My family I are looking to purchase a house and we may left homeless because of this account. This is immoral in my opinion. This account must be removed immediately. I have contacted the creditor Kikoff lending llc and haven't gotten any response so I am not sure how XXXX got one and if they did how they validated something that isn't mine I am attaching an FTC report. XXXX has violated human rights. Please remove this account you are hurting my family this is again the law according to the FCRA I do not want to take this into legal matters. I do not need another investigation on an account that it is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I rec 'd notice from Equifax to go to www.trustedid.com and review credit report. I noticed under " Associate Address '' section that the following address was listed as being part of my present address : Date : XX/XX/18, Address : XXXX XXXX XXXX, XXXX : XXXX, TX XXXX XXXX : TX XXXX. 

This is erroneous information on my credit report - at no time have I ever lived at or know anyone at this address. I wish to have this information reported and removed from my credit report as I feel I am victim of ID theft by use of this address on my credit report.
Product: Debt collection

I have a a unverified account from CBE GROUP # XXXX. I had previously disputed this account. I have never done business with CBE GROUP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that CBE GROUP Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE GROUP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

I found several inquiries from your company that I dont remember authorizing. This is impacting my score and causing me a lot of stress.
Product: Mortgage

In XX/XX/2021, the company electronically withdrew 2 payments ( {$4500.00} ) directly from my bank account, but credited only one payment ( {$2300.00} ) to me. It has been over 90 days since. I spent several hours on the phone with their representatives, who are only able to take messages, or report back to me the ( non ) status, none of them are able to actually issue the refund themselves. I escalated the issue all the way to their main complaint line who first asked for an additional 30 days to investigate. They have now gone past 30 days, the latest is they can only offer an indefinite ETA which to me means they have eaten up my money. As a customer, it is unacceptable that a mortgage company have accounting systems so poor that it should take over 90 days to trace customers funds.
Product: Student loan

Navient has charged me with bogus interest charges on XXXX subsidized Stafford loans that are currently in economic hardship deferment. I have been in deferment for two years and have always reapplied diligently for renewal at each interval where I needed to submit proof of hardship. My last period of deferment ended in XXXX XXXX, but the letter Navient sent me to continue deferment mentioned the upcoming date as XXXX XXXX, XXXX. I received no information about the time period between the end of the previous deferment period and XXXX XXXX, XXXX. I did receive a letter previous to that that gave the impression I was to begin income based repayment on XXXX XXXX, XXXX ( with no mention that if I was eligible, I could continue being in deferment ). I sent in my re-application materials and proof for the XXXX XXXX date. I then noticed that my principal balance had gone up and wondered why. I called Navient and they were unable to inform me what this charge was for or when it was from. They mentioned vaguely that it was from previous periods in repayment. They would not remove the {$70.00} charge. I had no letter or conversation with Navient about the time between the end of my previous deferment period and the reapplied for deferment. I did not agree to be in repayment, I had no idea they had put me in repayment. Indeed, if they had communicated with me, I would have gladly applied sooner and seamlessly continued my deferment to avoid the two month lag because I readily had my proof of hardship available. This is standard behavior for Navient! I have had many instances where they " lost '' applications for income based repayment and deferments and I had to pay larger bills and sometimes fines to keep myself out of default. This has been a regular occurrence. I believe this is willful on their part.
Product: Debt collection

We purchased a XXXX XXXX  from XXXX XXXX in XXXX and then we traded this car in XX/XX/XXXX to XXXX XXXX. XXXX XXXX paid XXXX XXXX {$5500.00} as in contract to retain the original title and complete the trade agreement for a brand new XXXX car. 
We do not own or are liable for an account that was closed due to a trade-in vehicle purchase! Weve validated the balances and XXXX XXXX is claiming a debt that is mistaken, inaccurate, and deceptive. We have a copy of the XXXX contract stating they paid off XXXX. XXXX off and additionally, our paid fees to XXXX XXXX would have fulfilled our obligations ... we have proof of this trade and XXXX XXXX is scamming us and destroying our credit. They have falsified records and are using predatory financial tactics to collect a debt from a car they no longer own or are the lien holder to-How can they collect a debt for a car they or we do not own?
Product: Credit reporting or other personal consumer reports

I am disputing the reappearance of an item previously removed from my credit report and the duplicate reporting of this same account. This is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires notification of any reinserted itemsnotice that I did not receive. 

The account details are : Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Reinserted : XX/XX/year>
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 unXXXXer 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

WAKEFIELD & ASSOCIATES COLLECTIONS failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth by law
Product: Checking or savings account

The checking account was a few months old. I deposited a check remotely via XXXX. 
It appeared on my account, then was placed on hold. I then received a notice a day or two later that my account was being closed. Upon inquiry they " suspected '' the check would not be paid.

Although the I could understand the longer wait ( even if it was unjustified ) for the funds to clear, there was no reason given for closing the account. I called customer service twice to discuss it, and no one could provide a reason, they just kept defaulting to why the check was being held in a pending state. Odd comments like " checks are dangerous '' were made. 

This created ridiculous stress both from not being able to use the funds, and not being able to know any reason for closing the account. I withdrew the funds before the upcoming closing date. I had actually been about to move all my other accounts to Wells Fargo as they have my mortgage, but instead I will be closing them. Extremely bad customer service.
Product: Vehicle loan or lease

Ford motor credit had the wrong information about me ( wrong phone number ) never sent me a bill I had an automatic payment set up they chose to take out the money when it is convinient for them and they dont when they charge you a fee and report you they ruined my credit for no reason for the second time for stuff that is totally their fault I had an immaculate record until they reported late payments twice without sending me anything or letting me know, I wanted to bring this to the attention of the public that this type of behavior is dangerous and should be illegal
Product: Debt collection

Hunter Warfield Collection Agency texted me on XX/XX/XXXX, and emailed me XX/XX/XXXX. These were the first and only communications received from this Collection Agency, yet none of the information that they presented me with itemized any charges nor did it state the fact that I have the right to dispute the charges within 30 days. I would like to exercise my right to dispute, and I would also like to impose a fine against this Collection Agency for failure to act within the requirements of the associated regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$910.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I disagree with this account being on my credit report even after you have done your investigation. I would like this immediately re-investigated. The inaccuracy is very injurious to my credit score. In accordance with the fair credit reporting act, public law91-506, title VI, section 611, subsectionA-D, please provide the name and business addresses of each individual with whom you verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

XXXX XXXX
Product: Checking or savings account

I was ripped off for {$3000.00}. I thought it was for {$3300.00}. But they blocked two of the " transactions '' and I wasn't aware of that at first. Anyway, so far I've only gotten a cashier 's check for {$2000.00} from the unauthorized " ATM withdrawals ''. There's still {$1000.00} I'm owed from an unauthorized " pc transfer '' though. But a Wells Fargo employee contacted me & sent me a cashier 's check for {$2000.00}. Then he told me " he'd look into it '' -about the other {$1000.00}, then get back to me within ten days, which he didn't. I did receive a few letters from Wells Fargo since then, which I found to be confusing, unhelpful and unapologetic. Anyway, it's super frustrating because this all took place on XX/XX/23, so it's already been a month a & I still haven't received my last {$1000.00} of the total {$3000.00} that was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I also want to inform you that you have indeed federally violated my consumer rights as a consumer. The federal law under the FDCPA stated as in order to disclose my personal information you have to have my written consent and also there is no disclosure with an opt in or option notice requirement which is under 15 USC 6802. There was never a disclosure that exercised my nondisclosure option for this reason you have committed a FEDERAL FRAUDULENT ACT by making me feel you were supposed to have my personal information which is unlawful making you liable also under the 15 U.S Code 1640 Civil Liability section. I also have the right to privacy as a consumer which is stated in 15 USC 1681 ( 4 ). You dont have the right to furnish my information on my consumer report stated by law. If you have the permission to furnace my report I need to see a contract with my permission that allowed you to do this in the first place so please produce a contract that granted you the permission to furnish my report & if so reply back in affidavit form and have a senior executive or yourself create an affidavit with it being notarized. If there is no permission consent delete the following accounts listed below.
Product: Student loan

In XX/XX/XXXX, my loans with XXXX  were transferred to FedLoan Servicing. I applied for the Public Service Loan Forgiveness ( PSLF ) program in XX/XX/XXXX knowing that my first payment for my loans was coming up. My first payment made was XX/XX/XXXX. My last payment to XXXX under the PSLF was XX/XX/XXXX and then my loans were transferred to FedLoan. Under FedLoan, my first payment was XX/XX/XXXX. I have contacted FedLoan multiple times to get the status of my account review for the payments that were made under XXXX up until the time my loans were transferred. I was told each time that the account was still in review and it has been over a year. Then I received a statement that says only TEN payments made qualify me under PSLF. However, I have been making payments every month for 3 years straight and re-certify my employment every year. I have also been with the same company for the last 10 years so there is no reason that after a year of reviewing my account, they come back and tell me only the payments I have made since my loans were transferred qualify. It is absurd that I am at the risk of being 26 payments behind because they did not handle my account properly.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of two accounts on my credit report, namely : XXXX XXXX Account Number : XXXX XXXX XXXX [ Last four digits obscured for security purposes ] XXXX  XXXX Account Number : XXXX XXXX [ Last four digits obscured for security purposes ] Upon careful review of my credit report, I have identified that these two accounts do not belong to me and have been erroneously included in my credit history. I have no association with these accounts, and their presence on my credit report is inaccurate and misleading. 

I urge you to investigate this matter promptly and remove the aforementioned accounts from my credit report. The inclusion of these unauthorized accounts has the potential to negatively impact my credit standing and overall financial well-being. I appreciate your attention to this matter and request that you provide me with a timely update on the resolution of this dispute.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX, this statement is being generated on my behalf. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account. The following accounts were not authorized by me and I request removal : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX