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

I was in an accident on  XXXX   XXXX ,  2016. I  continued to pay until the insurance and GAP company paid. The final payment from the GAP insurance was cashed by  GM Financial  on  XX/XX/XXXX . I paid  XX/XX/XXXX  another payment as there was still a balance. I paid  2  payments in  XX/XX/XXXX  as I was trying to pay off the loan. I found out when I applied for credit and my car insurance company went up on my rates that I was being reported as delinquent in payments. I checked my credit report to find that  GM financial was reporting me as 30 days late. I tried to go on line to the GM Financial  web site and look at the payment history which is inaccurate. It shows all payments from   XX/XX/XXXX  on, as being received in  XX/XX/XXXX , when only one payment was received in  XX/XX/XXXX .  I tried several times to speak with  GM financial  because the online bill reporting is very confusing and inaccurate and they have repeatedly told me that the payments that came in from the insurance and GAP do not count towards any payments on the account even though the online statements state payment received so how is it not a payment. According to them even though the received a payment in  XX/XX/XXXX  from GAP and they repoprt it online as payment received that it does not count as a payment because it was not from me. I am attaching the statements for the months involved. Please help me. I feel I have been deceived by the online statements which are not accurate at best and misleading at the worst. When I spoke to a representative in  XX/XX/XXXX  it was only told to me that I needed to continue making payments until the car is paid for. They claim they told me that I was behind on my payments and that is not the conversation that I remember having with the representative. And when I told them that I  may  have to contact an attorney to resolve this issue because this does not seem proper they threatened that they would not be able to speak with me any further regarding my account. I have continued to make payments toward the remaining balance and will continue until it is paid in full.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 22.oK financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND UNAUTHORIZED INQUIRIES STILL REPORTING IN EQUIFAX. 

1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX, Date of inquiry : XX/XX/year> Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
4. The inquiry was not authorized XXXX, XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX XXXX, Date of inquiry : XX/XX/year> Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Debt collection

I contacted the company and requested that they provide me with a copy of the debt that they claim i owe and the responded with a letter stating that they verified the debt??!! How is that possible? What are they measuring this against?
Product: Student loan

Good Afternoon, I logged into MOHELA.com to view my student loan on XX/XX/XXXX. I was showing that i had XXXX dollars due but that I had a payment scheduled to come out on XX/XX/XXXX. I canceled the upcoming payment and it immediately stated that I had a full payment due for XX/XX/XXXX. 

I called MOHELA today XX/XX/XXXX and was informed that I had been removed from the XXXX plan in XX/XX/XXXX and that I had needed to reapply at that time to remain in the program. I stated that I had never received any notification from MOHELA that i was being removed from the XXXX plan and that i needed to reapply. She stated XXXX does not notify borrowers that they are being removed from or to other payment plans ''. 

I explained to her that i had only been approved for the XXXX plan in XX/XX/XXXX and that it had been only 9 months that i was on the plan. She stated that it was from application, not start of being on the plan when it expires. 

This company has no problem mailing out bills or terms of service but can not notify borrowers that they are about to be flipped to another payment plan? This is just stealing, hoping that borrowers would not be aware of the increase in payments. 

The only recourse she said was available to me was to place my loans in a 60 day borrower requested forebarance and if i had no other forebarances available to me that i would then be stuck owing the higher amounts when that ended. 

I find it hard to believe that the company is allowed to just switch payment plans without notification to the borrowers. AND then with this judge not allowing borrowers to reapply for the XXXX plan it is not a borrower initiated forebarance issue. please help.
Product: Debt collection

I did not receive a check or anything from the dealership to purchase the vehicle or from the alleged lender which caused me to inquire and ask for validation and verification from the alleged lender.I was not given any ledgers of where the money came from and no information showing how the debt is valid. I also did send a cease and desist until all was resolved and they denied the cease and desist by saying they will only stop calling me but will not cease reporting to the agencies and will not stop charging me until they actually validate and verify the debt. I also received a letter from Santander the alleged lender stating that they are the indirect lender which is very strange and appears fraudulent who is the direct lender.I am requesting payment for the violations, a return of my down payment, the finance charge, transfer of the title to me, and removal of alleged debt from Santander and any third parties
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX Balance : {$82.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00},, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00}
Product: Credit reporting or other personal consumer reports

I am listing 2 accounts fraudulent from Experian Equifax and Transunion Credit Reports. XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX AUTHORIZEDUSER XX/XX/XXXX. I am listing XXXX inquiry fraudulent from my XXXX Credit Report. XXXX XXXX XXXXXX/XX/XXXX. Listed accounts and inquiry do not belong to me and must be removed from my Credit Reports. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Experian Equifax and Transunion to mark these accounts and inquiry as fraudulent and remove from my Credit Reports.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Dispute Regarding NCB Management Service Dear Sir/Madam, I am writing to formally dispute a matter that has come to my attention, and I am requesting your assistance in resolving this issue. The nature of my dispute involves incorrect information on my credit report, and NCB Management Service stating they will remove this information from all reporting agencies and they have not done so The details of my dispute are as follows : Account Name/Type : NCB Management Services Disputed Amount : Specific Issue : NCB Management Service stated they will NCB has made the decision to request its tradeline be deleted with all credit bureaus that we had previously reported your account. Please allow up to XXXX - 60 days for the credit bureaus to process and update their records.Should you have any further concerns, please contact NCB at XXXX. 
Date of Occurrence/Transaction : XX/XX/XXXX Supporting Documentation : Screenshots of them stating they will delete this from any reporting agencies I have already attempted to resolve this issue directly with NCB Management Service but the matter remains unresolved despite my efforts. I believe the issue is a result of clerical error, and I am requesting your assistance in investigating this issue further. 

Please find attached copies of relevant documents to support my dispute, including any correspondence or records I have received. I would greatly appreciate any assistance you can provide in resolving this matter as quickly as possible. 

Thank you for your attention to this matter. Should you need any further information or clarification, please do not hesitate to contact me at XXXX or via email at XXXX Sincerely, XXXX XXXX
Product: Credit card

I have a Belks Credit card. I have paid it early every time and have been a loyal customer. I reported my card lost/stolen to belks. They issues me another card due to this situation. I also reported other Credit cards lost/stolen at the exact same time. I pull my credit report and belks put my XXXX card on there as CLOSED and then put another card on there as a brand new card. Never has this ever happened. So now I have a closed card and a brand new card opened on my credit report. This affected my credit score and it 's unfair. I complained to customer service XXXX so far and am given excuses as to why it 's there. Why do n't all companies show the credit bureau card was lost/stolen and then issue a new card. Why is it only belks that does this? If that was the case, I would have said forget it. Belks deceived me and I want answers NOW! I did n't ask for XXXX belk cards to be on my credit report.
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

Dear CFPB, I am submitting a new complaint regarding XXXX XXXX XXXX XXXX XXXX, a debt collection firm acting on behalf of Capital One. I have previously submitted a complaint about this issue, but after reviewing their response and the facts, I believe the case was closed prematurely without fully addressing the discrepancies in their actions. 

Here are the details of my complaint : Failure to Provide Required Documentation XXXX XXXX XXXX claims to have sent me multiple documents related to my debt, including a 1692g letter and a Notice of Intent to File Suit. However, I only received one document from themthe Notice of Intent to File Suit dated XX/XX/XXXX. The XXXX letter, which should have been sent on XX/XX/XXXX, was never received by me. 

Misleading Claims in Response In their response, XXXX XXXX XXXX claimed they sent me the required XXXX letter and stated that I had received it, despite the fact that I have no record or recollection of receiving such a letter. Their claim that I had been sent the required validation notice and other documents is misleading, and they failed to provide any proof of mailing or delivery. 

Debt Collection Violations As mentioned in my initial complaint, I believe that XXXX XXXX XXXX violated the Fair Debt Collection Practices Act ( FDCPA ), XXXX Fair Debt Collection Practices Act ( RFDCPA ), and California Unfair Competition Law ( UCL ) by failing to provide the required validation notice, failing to disclose the amount of the debt, and threatening legal action without first complying with statutory requirements. Their actions have caused confusion and distress. 

Failure to Address Cease-and-Desist Letter I sent a cease-and-desist letter to XXXX XXXX XXXX on XX/XX/XXXX. While they acknowledged receipt of the letter, the lawsuit had already been filed on XX/XX/XXXX, and the collection action continued despite my request to cease. 

Thank you for your time and assistance.
Product: Debt collection

I AM WRITING REGARDING ACCOUNT # XXXX, WHICH THE CHARGE AMOUNT OF {$1600.00} IS INCORRECT. I MOVED INTO THIS APARTMENT ON XX/XX/year> WHCH MY MOVE IN DATE WAS XX/XX/year>. IT WAS FILTHY AND NOT AVAILABLE ON THE MOVE IN DATE. I HAD TO WAIT ANOTHER WHOLE DAY FOR MY APARTMENT IN WHICH IT WAS STILL FILTHY AND I WAS NEVER CREDITED FOR NOTHING. I HAVE EXPRESSED MY CONCERNS TO THE LEASING OFFICE AND THEY DID NOTHING. UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( 15 USC 1692 ), I AM REQUESTING VALIDATION OF THIS DEBT. PLEASE PROVIDE COMPLETE INFORMATION ON THE ORIGINAL CREDITOR, ORIGINAL ACCOUNT NUMBER, THE DATE THESE CHARGE WERE CALCULATED, THE AMOUNT OF THE ORIGINAL DEBT, AND AN ITEMIZED STATEMENT SHOWING THE AMOUNT OF THE DEBT AND ANY ADDITIONAL FEES OR CHARGES. IF YOU ARE REPORTING THIS ACCONT TO ANY CREDIT REPORTING AGENCIES, UNDER THE FAIR CREDIT REPORTING ACT ( 15 USC 1681b ) YOU MUST PROVIDE VERIFICATION OF THIS DEBT TO THOSE AGENCIES UPON REQUEST. AT THIS TIME, I DISPUTE THE VALIDITY OF THIS DEBT UNDER 15 USC 1692. PLEASE VERIFIY THIS DEBT IN WRITING AND PROVIDE ALL INFORMATION REQUESTED ABOVE WITHIN 30 DAYS. IF VALIDATION IS NOT PROVIDED, I WILL EXPECT THIS ITEM TO BE REMOVED FROM MY CREDIT REPORTS AND FURTHER COLLECTION ACTIVITY TO CEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car, furniture, credit at the dentist and credit card. Did not get approved and have many hard inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. 
I have no knowledge how the theft took place. I also have no awareness of any suspects. 
I did not obtain any money, goods, or services as an outcome of identity theft. 
Please remove the following accounts : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$200.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$950.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX USAA FSB To whomever it may concern : I am writing regarding an issue with the way you are reporting this account on my credit file. I have noticed that your company has reported to the bureaus that my account was charged off. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history, note, or other instrument bearing my signature. 

USAA FSB Account Number : XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX are reporting fraudulent accounts that you did not open.. these account dont belong to you.. you are victim of severe id theft. I had reported this to the company and the credit bureaus i was told that i was responsible for the account I have not given anyone permission to use my Social Security number to apply for credit cards
Product: Payday loan, title loan, or personal loan

The loan was for {$2000.00}. On XX/XX/XXXX I made the last payment of {$370.00} for a total of {$2900.00} payback. 
I then received notification from Opp Loans that I refinanced the loan, and that I owed them {$1800.00}, and they wanted another payment. 
I telephoned Opp Loans and explained to their representative that I did not request additional funds that someone in your organization set up this fraud. I asked to see the documents I signed, and they couldn't provide me any. 
Opp Loans stated that the money was deposited into my bank account. When I asked the name of the bank, they told me the banks name which I did not know. I told them, I did not have any account with that bank. Opp Loans has never produced one shred of evidence I refinanced that loan. 
At the request of their representative, I filed a complaint with their fraud department. I was then notified this was a closed issue. 
When I received a copy of my credit report from XXXX, there was an entry that I am over 90 days late on my payments from Opp Loans. My credit report had been over 700 points, even with a bankruptcy bank in XXXX. Now my credit rating is reported as poor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer in pursuant to 15 USC1692A3 Experian, XXXX, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian XXXX  nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. In pursuant to Title 31 U.S.C. Sec. 3123 ALL DEBTS ARE UNITED STATES OBLIGATIONS! XXXX XXXX XXXX {$18000.00} IS IN VIOLATION of federal law in attempt to collect a debt they are also violation of The false Claims Act ( FCA ), 31 USC 3729-3733
Product: Debt collection

I obtained a payday loan in XXXX from XXXX XXXX. My checking account was closed in XXXX due to someone committing fraud on it. As a result XXXX XXXX was unable to collect the debt. A few years went on and I got a call from XXXX XXXX as well as XXXX XXXX XXXX XXXX In XXXX I wanted to pay this old debt so I began communicating with both companies. A representative with Ad Astra as well as XXXX XXXX promised to delete the collection from my account if I paid the debt IN FULL. In early XX/XX/XXXX I paid the account in full at {$310.00}. The debt reflects a XXXX  balance. What Im upset about is that I have called XXXX XXXX 13 times to discuss the removal that was promised. I called Ad Astra 12 Times requesting that they hold their end of the bargain. They deny promising to delete the account and they told me that they will pull up a recording of the conversation to prove that they did not promise me to remove the account. I havent heard back from them. I would have not paid this account if I was not promised this Paid to Delete. Me paying no the {$310.00} didnt do anything to my credit score. Im happy its paid but Im very u happy with their collection practices. Please help. I can be reached at. XXXX
Product: Bank account or service

I have an business account with suntrust, and i rarely use it due to the problems that always occur when i do. i am XXXX, and i was checking on my account and was shocked when i saw a negative XXXX charge. i learned from recent situations that i should call suntrust due to its incorrect online balances, so i did and each time i would call i was told that the computers were down, and i would have to call back in 2-3 hours. that would be XXXX my time, and i wasnt willing to stay up that late. i finally get a hold of them on XX/XX/XXXX and was told that my account went over XXXX dollars, and so i was charged XXXX dollars in overdraft fees! that charge absolutely shocked me. i spoke to several supervisors, and stated that this charge was unnecessary, and i was told that due to previous courtesy credits they could not provide me with another one. most of the previous credits, as i explained to these supervisors were also due to bank errors. she said that they were still considered courtesy credits, and that i would have to pay the XXXX in overdraft fees. all the representatives i spoke to seemed uninterested, and unwilling to help me. by the end of the call i simply stated that i would not be paying this fee because it was unnecessary, and the supervisors reply was i will notate the account! I honestly never use this account, due to problems i had with them before, but i was forced to due to some checks. All i want from suntrust is to take the fees off, so i can pay the XXXX i owe, and close this account. this bank is by far the worst bank i have ever worked with, and i have several accounts with banks much smaller than suntrust.