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

I received an RV loan from Alliant, through the RV dealer, in XXXX XXXX XXXX  After several months, I noticed that my balance was not decreasing. I had asked for an explanation, and the representative stated " Our consumer loans ( for example, car loans and personal loans ) are simple interest loans. When a payment is made to the loan, any interest that has accrued since the last payment was made always gets satisfied first, and then the rest of the payment amount will be applied to the principal balance. '' My payments are due on the XXXX, however I sometimes wait until the XXXX to pay. Each payment shows a wild variance in how much of my payment is applied to interest versus principal. I have printed out an reviewed each payment made, and subsequent change in allotment to principal versus interest. It looks as though they are double-charging for days of interest, and no explanation has been provided as to why. 

I requested an amortization schedule and discovered that my balance, based on on-time payments, should have decreased by about {$2000.00} over the past 12+ months. That has not happened. In fact, my balance is roughly the same as the original, if not MORE. 

Something is not right here. Either they are purposely mishandling payments, double-charging interest on several days a month, or I got roped into a loan I didn't fully understand by a shady dealer. 

To be clear, I have never been more than 15 days late on making a payment. I have never gone 30 days+. All payments have been made, yet no progress has been made on the loan. 

Thanks for your help.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with the experience, where Equifax has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against, Equifax alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence.I provided causing ongoing harm to my credit standing.Iam requesting immediate corrective action to remove or amend the disputed accounts as Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing accounts with the bureaus for months now and I have yet to hear anything back from them. I have serious negative information on my account that needs to be resolved. Please fix immediatley.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal bank account at XXXX XXXX XXXX opened on XX/XX/XXXX account # XXXX with a balance of {$210.00}, a personal credit account opened at XXXX XXXX XXXX XX/XX/XXXX account # XXXX with a balance of {$490.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aformentioned fraudulent items. I do not recognize the aforementioned accounts, collections, as mentioned. The aforementioned accounts, collections or hard inquiries appearing on my consumer credit report maintained by you were not opened, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud, I have attached a copy of FTC identity theft criminal complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

my insurance lapsed about 7 months ago. and i cant drive or register my vehicle. they attached a {$3000.00} fee to my bill for insurance but never added insurance to my vehicle. i feel like a victim of a predatory lender.
Product: Vehicle loan or lease

Due to Covid 19, I've experienced a slight financial hardship. I have asked my car company, American Credit Acceptance to extend/defer XXXX payment, the XX/XX/XXXX payment. I have been told no by various reps from that company. XXXX made XXXX calls ) I have been threatened with repossession if I don't pay and also have been told they will call me every XXXX days until the payment is made. The payment amount is {$1000.00} due XX/XX/XXXX. I have been calling for assistance since XX/XX/XXXX when I realized my husband 's job was affected by Covid 19. I am a great customer. I financed the vehicle XX/XX/XXXX, and have made XXXX timely payments with this company and now I find myself along with other Americans in a financial crunch. They are not willing to help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received a call from a man identifying himself as an internal auditor at XXXX XXXX in Texas. He said an account had been opened at xxxxx address in XXXX, TX with my name and my phone number, no other information. He said this was suspicious ( I believe he recognized my CA area code ). I told him that I don't have a house at that address, and I have not been in Texas for many years. I did not offer him my current address or any additional information about myself. I thanked him for the call and he hung up. 

About XX/XX/XXXX a woman called identifying herself as a rep for XXXX XXXX XXXX ( a name or slogan that XXXX uses in ads on the internet. ) She said I had some fee money in an account and she wanted to give me what I was owed. I asked her what account and she gave me the an address in XXXX, TX that sounded like the same one that the auditor had called about. I refused to give her my mailing address and told her I was not the account holder. 

On XX/XX/XXXX I ran a credit report on XXXX. It shows a claim of a past due account at a XXXX, TX address, opened in XX/XX/XXXX. The amount is {$430.00}. The XXXX address is now listed as one of my former residences. 
On XX/XX/XXXX I called XXXX 's Fraud Alert call center and spoke with XXXX. He confirmed that XXXX had the same item reported on my credit report with XXXX. He advised filing a complaint with the FTC. 

My First Complaint is that XXXX XXXX forwarded a bad debt to XXXX that was not clearly attributable to me. My name is common, but my phone number is unique. XXXX did not do an adequate job of verifying the identity of its customer. 
My Second Complaint is that clearly, XXXX 's customer was posing as me to get free electricity, which is fraud. 
My Third Complaint is that XXXX and XXXX ( and presumably Transunion also ) accepted XXXX 's claim of a bad debt against me without doing an adequate review of XXXX 's claim.
Product: Debt collection

Approximately 6 months ago, I sent a certified letter to XXXX asking for this account to be removed from my credit report due to not receiving a notice 5 days prior to debt being placed on my credit report, and due to not having any knowledge of this debt. I was sent an email back stating the debt was mine and I must pay it. There was never any proof of any signed contract between myself or SCA Collections.
Product: Checking or savings account

I am writing to file a claim against Navy Federal Credit Unit regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account information that Transunion is reporting on my consumer report regarding XXXX XXXX XXXX Account # XXXX is inaccurate and or incomplete, causing me as an consumer a financial hardship.
Product: Mortgage

On XX/XX/XXXX I had a tree that damaged my house and taking out my power lines of the house. And damaged to my siding, roof. Gutter. On XX/XX/XXXX I hire an contractor to replace of my electrical panel system outside and inside. On XX/XX/XXXX I received the check from my insurance company in both my name and specialize loan services my mortgage company. I endorse the check and send on XX/XX/XXXX next day services. Specialized Loan Service received it on XX/XX/XXXX. I called on XX/XX/XXXX to see the process time because the contractor is requesting the payment because the job is completed. I was told on XX/XX/XXXX and XX/XX/XXXX. That check is mailed out XX/XX/XXXX. On XX/XX/XXXX I called again following up because the contractor is calling requesting the payment. The representative stated this time the payment check was sent on XX/XX/XXXX. I been in my property for 25 years. And am very disappointed on how I been treated and unfairly treated by Specialized Loan Service. 
Their are still more damaged to the property that I will need contractors to come and come complete before the winter come. I cant scheduled if Im receiving this kind of services from my mortgage company. My contact information is XXXX XXXX or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ate Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Checking or savings account

I previously sent an inquiry about Chase Bank and some issues with my accounts with them although I had banked with them for 25 years. They summarily closed my all accounts and kept all of the funds I had ( about {$8000.00} ) without any notice or explanation. Below is the response which does not explain anything. But Chase Bank kept my money. 

Review the companys response to your complaint. 

The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone. 

Thank you for participating in our complaint process. This complaint is now closed. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2024 PRODUCT Checking or savings account ISSUE Managing an account To this day I keep receiving emails about " transactions '' regarding accounts that have been closed. Attached hereto is an example. May I please has some answers to my questions? What is going on with my " closed ' account, my Professional Account under " XXXX '', the funds that were in these accounts and these emails I continue to receive??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account was open by someone who lived at a address at XXXX XXXX XXXX XXXX, FL I never lived at this address this address was not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccuate web information
Product: Debt collection

This Company Convergent Outsourcing Inc. Claims that I owe then {$760.00} for a service from XXXX XXXX I contact XXXX and they telling me that I am not owe then any money I used to have my internet service with then but moved to XXXX XX/XX/XXXX and XXXX dont have service here so Since I dint have contrat with then I closed the account returns the equipment more than 3 years ago then Convergent Outsourcing star collection and threatening to damage my credit I have talked to many people and they never send me an ink copy of the contract they said I have fail to keep with XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX  XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this US DEPT OF ED/XXXX XXXX account for months. XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Money transfer, virtual currency, or money service

1. Company : venmo 2. What happened - tried to transfer {$2000.00} to my wife thru Venmo - my venmo account deactivated by violation of user agreement - no explanation why - {$2000.00} was reversed from my wifes venmo account to my account - I can not transfer from my venmo account to back to my bank account since they deactivated My venmo account - I escalated to their account specialist through email they said they will hold the balance for 180 days for loss protection and let me at the end of 180 Days - asked again what types of violation I made, but no answer from them - went to chat support and asked same question, but they said they can not answer since chat support is not account specialist team - there is no phone numbers provided at all for their account team. They said just waiting for email. But no answer from account team
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have recently been informed that there is negative information reported by XXXX XXXX XXXX the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$3400.00} reported XXXX XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX XXXX XXXX Retail and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several letters were sent to XXXX XXXX XXXX for validation of account beginning in XX/XX/2018. The company sent a summary of account from the previous creditor but the items required for validation per law were never sent. After sending the second letter, XXXX stated they were uncertain of what the dispute was and asked for a written explanation and documentation regarding the dispute. As of today, I'm still receiving phone calls regarding this account and have yet to receive validation.
Product: Credit card or prepaid card

I have been trying since XX/XX/XXXX to get help with my 2 credit card accounts I have with Citi Bank. Our incomes have been affected by the COVID-19 virus, we are unable to pay our XXXX payment. I keep getting the " Run around ''. They say elaborate more, so I do. Then they say fill out this form-ca n't download or copy-no form available. Then it starts All over again hours and hours on hold on phone, then waiting for response from email. They have it set up so you Will Give up! Its so unfair, I have spent agonizing hours on these two cards. No other credit company or bank have dealt with during this tragic time have took this long! Company Name-Citi Cards XXXX, KY
Product: Credit card

I am unable to access my Chase online account even after attempting to verify my identity over the phone multiple times.
Product: Credit card

On XX/XX/XXXX there was a fraudulent purchase on my PayPal credit. I disputed the charge with the credit card company but I found out today XX/XX/year> they filed it incorrectly as an item not received dispute, not a fraudulent charge dispute. They have tracking information they did not give me and as per the customer service rep does not come up as valid when the item is attempted to be located. They are refusing to adjust the charge even though I did not order or receive anything.
Product: Debt collection

I have attempted to reach out to the apartments whom filed the debt illegally. They allowed me and the other party whom was living there at the time the option to either move out of the apartment by a set date due to me being layed off my job or stay and receive an eviction notice. The deal when we left was that we would have no financial obligations what so ever and no evictions would be applied to our credit. We decided that that was the best overall decision. A few months ago my credit XXXX alerted me that I was debited the eviction. I have attempted to contact the property XXXX a week since XX/XX/XXXX including today XX/XX/XXXX. They never respond to my voicemails when I call from my number and the XXXX time I called from a different number and said my name they hung up and never answered that particular number again. The other party has since gotten the debt removed yet when trying the same action it stays on my credit report.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/ReportedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$380.00} XXXX  XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX  Balance : {$540.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

In the debt validation letter, the debt collector, AR Resources , Inc., is supposed to provide an end date for a 30-day period when I can dispute the debt. That is missing from the document they sent me. They are in clear violation of the The Fair Debt Collection Practices Act.