23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, the consumer, in fact, XXXX XXXX, entered into a consumer credit transaction on XX/XX/XXXX   to purchase a XXXX XXXX XXXX my open ended consumer credit plan. I went to DriveTime where the vehicle was located. The finance company that extended my credit back to me was XXXX. Upon discovery, my Retail Installment Contract stated that the finance charge is {$17000.00} which this was told to me to be the interest in which I would be responsible for this was also a deceptive practice as the finance charge is what my credit will cost me via my consumer credit plan not my checking account I have with my personal bank. DriveTime also collected what was said " required '' downpayment in the amount of {$2500.00} which is and was prohibited by law under TILA 15 USC 1662. Under 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) DriveTime and XXXX are now liable to me, XXXX XXXX for double the finance charge. 
I was not given any forms to rescind the transaction under 15 USC 1635 ; however, I sent an email to DriveTime rescinding giving security interest to any and all parties to my vehicle purchased under the contract which was signed. DriveTime called me and said that I could bring the car back which is not equitable to me.
Product: Debt collection

Credit acceptance corporation is trying to collect a XXXX XXXX dollar debt back in 2021 I was told that it was closed and dropped it was during covid XXXX pandemic they never contacted me the amount is illegal this company has several complaints and lawsuit this has my credit report looking ugly I'm trying to get my life together and credit is key I had this removed from XXXX but it still remains on XXXX and XXXX when I did reach them they said different amounts the interest is illegal I could let it fall off my credit but I just want it removed it's unfair thhs us a predator company look at the reviews and complaints I'm not going to pay this it's not right
Product: Checking or savings account

I filed a claim on a fraudulent charge with XXXX and they deemed it not fraud. It most certainly is fraud. XXXX has scammers on their site selling listings that are not real. I showed up to check in and it was not the purchased unit. I complained to XXXX and they did not care so I turned to my bank to help me with this. They reversed the charge and now Chase is fraudulent in reversing the charge on a fraudulent transition. Neither company did their due diligence.
Product: Student loan

I applied for the XXXX plan on XX/XX/XXXX, but was not approved until in or around XX/XX/XXXX- I received no official documentation of this. From XX/XX/XXXX until my first payment became due on XX/XX/XXXX, I received periodic emails that I was placed in administrative forbearance while my XXXX application was being processed. My payment start dates were routinely pushed back for this reason. I did not request any forbearance, it was applied automatically. The XXXX DOE website provides in a XX/XX/XXXX press release that " The Department has directed servicers to place all affected borrowers into administrative forbearance until the problem is fixed. In the meantime, we will adjust to zero any interest that accrues and credit them with progress toward public service loan forgiveness and income-driven repayment. '' I brought this to Nelnet 's attention and was advised that I am responsible for the interest accrued while on administrative forbearance. If I were able, I would have been making payments earlier and the interest above my payments would have been forgiven in accordance with the XXXX plan. My first payment went through on XX/XX/XXXX and Nelnet applied this to the interest that accrued during my administrative forbearance and advised that they will continue to do so.
Product: Student loan

I have about XXXX different federal student loan accounts being managed by Nelnet. Each of these loan accounts is a different agreement with a different interest rate. For about 6 months, I have been making payments for more than the minimum required amount. With the amount that is in excess of the required, Nelnet has not been applying these funds to the loan account with highest interest rate to help me pay down my faster. They have instead been distributing it across all the loans, some with significantly lower interest rate than others. This practice is not in the best interest of the students. Why would a student want to pay down a loan that has interest rate 5 %, before paying down a loan with interest rate of 8 %? 

As is the law and practice of a credit card company, the balance bucket with highest interest rate must have payment funds applied first. If a credit card company is obligated to do what is in the consumers best interest, with respect to repayment allocation, the government and student loan services should also be obligated to do what is in the students best interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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
Product: Credit card

Bank of America continued to disable my functions to dispute transactions on the app or on their web portals. Their customer service agents kept telling me that I can dispute the transactions online but such functions were disabled
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX, I do not have a contract with XXXX, they did not provide me with the original contract as i requested. I request a copy of the contract with my signature. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. In requesting documentation none was provided. Due to identity theft this should be removed from my credit report.
Product: Money transfer, virtual currency, or money service

I sold a XXXX to XXXX XXXX on the XXXX platform in the first week of XXXX. After a month went by, XXXX decided he did not want to pay for the XXXX and filed a case on XX/XX/XXXX, claiming that he did not receive the package. I agreed to provide him a refund, after he returned the item to me. Paypal then provided him with the incorrect return address. The return address that Paypal provided to the customer is the address of the XXXX location in XXXX XXXX. I filed a claim XXXX XXXX and Paypal ruled in favor of the buyer while admitting to providing the incorrect return address to the customer. So the customer sent the XXXX to the XXXX in alum rock, and then put the fault on me. I tried calling for a month to resolve the situation but Paypal would not assist me. If you call Paypal and provide the case info they will confirm this information. 


The tracking number provided by Paypal can be seen in attachment XXXX and XXXX. I have included attachment XXXX and XXXX to prove my address listed in the application and in real life.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax XXXX XXXX ( Review Attached Documents ) Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above, have 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 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 ( AN ( 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. 

Remove Following non-mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX, KY XXXX - XXXX XXXX XXXX XXXX XXXX KY XXXX Update Accurate Account Payments Dates : XXXX XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX ( Update Payment information for XXXX, XXXX as Paid ) XXXX XXXX XXXX, Account Type : Revolving, Date Opened:XX/XX/XXXX ( Update Payment information for XXXX, XXXX as Paid ) Remove Unauthorized Accounts Listed Below : Account XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$560.00} Remove Unauthorized Accounts Listed Below : Account Name : XXXX XXXX XXXX XXXX XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$560.00} Remove Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Checking or savings account

On XX/XX/year>, I opened a checking account to include online banking with Comerica Bank. My intention was to create a personal account for online banking for my home based business as I initially reported to the bank employee. I made a deposit into this account as a requirement. With in a few days I received a welcome email to open an online account. However, with several attempts, I was unable to complete the full process of creating a password and other options to verify my identity. 
Because of this, this process was never completed. I called to complain and was told that it is still online but with no resolution. Also, I was told that I would receive my new checks within five to seven business days. However, I never received my new checks. 
Within a few weeks, I received a check and notice from the fraud department communication that my account had been closed. 
It was not my intention to violate bank policies or rules. Again, my purpose for this account was for MY personal use for the account to be in my name only. 
I feel I was treated unfairly and now I have a need to open a new online account and I have been declined because of this!
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and saw fraudulent accounts on my report and it is damaging my credit severely thanks.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Re : Complaint Against Reporting Entity for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EXPERIAN Information Solutions , Inc. ( hereinafter referred to as " EXPERIAN '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a XXXX XXXX, sent a certified letter to On XX/XX/XXXX, I, as a XXXX XXXX, sent a certified letter to EXPERIAN requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXX which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$530.00}. The FCRA mandates that the credit bureau, in this case, EXPERIAN must ensure the accuracy and completeness of the information they report. 

We are filing this complaint on behalf of our client, who is experiencing issues with a closed account reporting negative information on their credit report. Pursuant to our efforts to address this matter, we sent a Validation of Debt letter to the reporting entity, as allowed under the FCRA. Despite our repeated attempts, we have not received any response from the reporting entity. 

This lack of cooperation is a clear violation of our client 's rights under the FCRA, particularly under the following sections : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to promptly investigate disputes regarding the completeness or accuracy of any information provided by a consumer and to correct or remove any inaccurate information. 

FCRA Section 623 ( a ) ( 2 ) : This section mandates furnishers of information to report accurately and prohibits the reporting of information that they know or have reasonable cause to believe is inaccurate. 

Enclosed, please find a copy of the Validation of Debt letter we sent to the reporting entity, along with proof of delivery. We believe that our client 's rights have been willfully neglected, and we seek the intervention of the Consumer Financial Protection Bureau to ensure a fair resolution in accordance with the FCRA. 

We kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, compelling the reporting entity to respond appropriately and take corrective action. We appreciate your prompt attention to this issue and look forward to a swift resolution. 

If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your commitment to protecting consumers ' rights and ensuring the fair implementation of the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I have a private loan that has interest of 6 %. During the time that I am in school I am required to make payments on the interest that builds every month. On  XXXX   XXXX     2017 I r eceived a billing statement that said I owed  XXXX  due by  XXXX   XXXX     2017. I  paid this amount on  XXXX   XXXX     2017 wi th the understanding that this amount was the interest that I would owe for the billing period. On  XXXX   XXXX     2017 I   received a billing statement that said I owe  XXXX  due by  XXXX   XXXX     2017.  On  XXXX   XXXX     2017  I called the company. They say that the amount I paid in   XX/XX/XXXX  wa s applied to principal instead of paying off the interest. I was literally told that I should not pay my bill so early. It is to my understanding that the amount that is posted that I owe is my interest payment and will be applied only to interest unless I choose to pay more than the amount on the billing statement. I was also under the impression that it should not matter when I pay my amount due as long as I make the payment before the due date and after receiving the statement. It is specified in my original loan agreement that I will only make interest payments during the time that I am in school unless I choose to do otherwise and that the amount I will be billed for will only be the interest. The money that I am paying each month is not going towards my interest and I am being forced to pay more each month because I am paying my bill before the exact due date. All loans were transferred by   XXXX   XXXX   XXXX   XXXX    to this  new   XXXX   XXXX  company.   Since the loans were transferred I have had nothing but problems and when trying to get them fixed you go through circles calling over and over again with no help from customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; WELLS FARGO BANK is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. WELLS FARGO BANK is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : WELLS FARGO BANK XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately.
Product: Prepaid card

Bought a Vanilla Gift Card and XXXX XXXX XXXX XXXX XXXXn XX/XX/2024 using it to save some money an incase of emergencies. Tried using the card and I realized the whole money has been wiped off it by incomm or someone and they wouldnt resolve it for me.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. Upon reviewing again my Experian credit report, I can still see the unauthorized inquiries that I was requesting to get deleted. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Product: Credit reporting or other personal consumer reports

This is my fourth time writing you to update my person information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impart and a respect for the consumer 's right to privacy.

I demand a deletion of all personal identifiable information from my consumer report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or a correspondence nor do I have access to any of these addresses, please delete these outdated addresses 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 and update the addresses with the one above. 

My only phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the Fair Credit Reporting Act 15 USC 1681 ( a ) I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send and updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The original apartment XXXX XXXX  states I owed last months of rent from a lease XX/XX/2016. I paid by money order in the office and then years later National systems a third party debt collect places debt of {$470.00} on my credit but sent a letter saying I owe real {$750.00}. 

How it is that you dont have my payment but yet you are providing misrepresentation of the amount you claim I owe. 

The document has no interested added but I list of fees I never had to pay with my rent in the first place
Product: Checking or savings account

President - i now opened a citibank checking XXXX and savings XXXX accounts. i needed to change my phone number from XXXX to XXXX i called they did that. i needed to get a text from XXXX to add them to my XXXX  checking XXXX i needed to receive a text. XXXX still had the old number. i called they said it takes 14 days to update. that needs to be fixed. my checking had three transfers {$2500.00} from XXXX XXXX that has been deposited and is available plus {$300.00} from XXXX. td bank is transferring {$2500.00} and {$1400.00} to my checking. it was started on the XXXX. i called yesterday. it was pending for three days. they said yesterday that it was scheduled to go in today. it didnt. {$35000.00} was transferred to citibank savings from XXXX XXXX that was pending for three days. a few minutes ago i went to that account and red account blocked is across savings only. so i need answers. i tried calling my they speak to low and i hung up twice to find out why this is. so im writing you and walking away from calling them since i never got a call or email professionally telling me this which should have happened and didnt. get back to me with there response in 15 days. ill wait but remember you, and the other fbi agents were declared the winners today by me. you defeated the us governments attempted candidates strategy of trying to end that governments problems. but i now realize that no ones causing me a problem except the person who im mad at the most with who wont leave my body ( remember?? ) and i dont know how to get him out. thank you, winners. do that now. signed president of the usa XXXX XXXX XXXX, XXXX XXXX est.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$7300.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$3900.00} XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$7300.00} XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My account was closed out in XXXX of XXXX XXXX have not received the money from the closing of my account. For 3 months capital one said they sent the check but I never received. The second time I called they told me someone cashed the check and I would receive another one but I have yet to receive it.