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

I financed a used vehicle from XXXX XXXX XXXX in 2021 and I was aware that I was financing for the amount of XXXX. I have yet to get an update on my credit report. they are reporting late payments when i have made XXXX on time payments which is more than the cost I agreed to finance. I have contacted WESTLAKE financial, and they told me that my contract stated that I owe XXXX, which was not what I agreed to. I have been frauded of an auto loan. My signature was forged on a separate contract that I am not aware of I didn't agree to an auto loan for XXXX and I am aware of the violations of the TILA ( truth in lending act ) an WESTLAKE financial is in violation of, Lenders have to provide borrowers a Truth in Lending disclosure statement. It has handy information like the loan amount, the annual percentage rate ( APR ), finance charges, late fees, prepayment penalties, payment schedule and the total amount youll pay. 
If a disclosure becomes inaccurate because of an event that occurs after the creditor delivers the required disclosures, the inaccuracy is not a violation of this part, although new disclosures may be required under paragraph ( f ) of this section, 1026.19, 1026.20, or 1026.48 ( c ) ( 4 ) .Creditors must re-disclose terms or costs on the Closing Disclosure if certain changes occur to the transaction after the Closing Disclosure was first provided that cause the disclosures to become inaccurate. There are three categories of changes that require a corrected Closing Disclosure containing all changed terms. ( 1026.19 ( f ) ( 2 ) ) Changes before consummation requiring new waiting period. If one of the following occurs after delivery of the Closing Disclosure and before consummation, the creditor must provide a corrected Closing Disclosure containing all changed terms and ensure that the consumer receives it no later than three business days before consummation. ( 1026.19 ( f ) ( 2 ) ( ii ) ; Comment 19 ( f ) ( 2 ) ( ii ) -1 ) The disclosed XXXX becomes inaccurate. If the annual percentage rate ( APR ) previously disclosed becomes inaccurate, the creditor must provide a corrected Closing Disclosure with the corrected APR disclosure and all other terms that have changed. The APRs accuracy is determined according to 12 CFR 1026.22. ( 1026.19 ( f ) ( 2 ) ( ii ) ( A ) ) The loan product changes. If the loan product is changed, causing the product description disclosed to become inaccurate, the creditor must provide a corrected Closing Disclosure with the corrected loan product and all other terms that have changed. ( 1026.19 ( f ) ( 2 ) ( ii ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account 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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX I placed an online order at XXXX using Afterpay for {$270.00}, and on I returned the items to the XXXX  store for a refund. XXXX put the refund on my debit card. I reached out to Afterpay via their app after I received a notification from them about an upcoming payment for the returned order being due, and I was told that " good news because you received the money back from the merchant you can still make our payments '' despite the fact that I provided them proof of the return and I no longer had the goods. Afterpay refused to reach out XXXX and continued to debit the upcoming payments from my account, despite me notifying them that I no longer had the products. I reached out again to Afterpay this time via email on XX/XX/year> requesting a full refund of my money and received this response from them on XX/XX/year> " If you've received your refund directly back to your credit/ debit card, this means the refund has not been processed through Afterpay, and will not reflect on your order as it usually would. Your payment schedule will remain in place and is required to be paid on the due dates. Whilst it may feel like you are out of pocket, rest assured, you aren't! The refund has gone straight back to your card, and you can use these extra funds to pay off the owing balance. '' The same response I originally received in the app previously, despite me notifying them that I no longer had the items and they had been returned and refunded by the merchant. I reached out again to Afterpay on XX/XX/year> and they responded on XX/XX/year> still refusing to cease future installment payments and return the payments for the order that they had already taken. On XX/XX/year> I emailed Afterpay a notice to cancel the last remaining payment, with no response from them and they did no cancel the remaining payment.
Product: Payday loan, title loan, or personal loan

I am victim and never apply that
Product: Credit reporting or other personal consumer reports

I am writing to formally notify XXXX XXXX, XXXX dba XXXX  that XXXX, Equifax, and XXXX are reporting agencies and, under 20 U.S. Code 1232g ( FERPA ), a credit reporting agency does not fall within the categories authorized to access student education records or information without explicit written consent. As such, XXXX XXXX, XXXX dba XXXX, XXXX, Equifax, and XXXX reporting agencies is prohibited from obtaining, using, or sharing any student record information without my consent. 

FERPA strictly limits access to student records to the following entities : School officials with a legitimate educational interest Government agencies conducting audits/evaluations Organizations conducting educational studies Parties complying with judicial orders/subpoenas A credit reporting agency does not meet these criteria and, therefore, can not legally access student education records without consent. Any attempt to obtain or use such records would be a violation of federal law.
Product: Credit card or prepaid card

I got a debt consolidation loan to pay off my two capital one credit cards. The bank that issued the loan ( PSECU ) did not give me the correct account number and it caused the payment to Capital One to be returned. After getting the correct account number from XXXX ( different from the one they gave me in my online banking ) I made another payment to Capital One. I called Capital One to notify them promptly of the situation. They said it would be ok and that they dont penalize someone for a returned payment. Now, 36 hours later, Capital One closed both of my accounts over this returned payment without consulting with me. I have been a member of Capital One for 14 years without any issues and this account closing will destroy my credit score through no fault of my own.
Product: Bank account or service

Dear XXXX On the morning of XXXX XXXX, 2015 I got in my e-mail box an alert from my bank JP Morgan Chase that my account was overdrawn by {$41.00}. I was waiting for a transfer from a retirement account to my other bank account at XXXX XXXX XXXX. This transfer was available to me only at about XXXX or XXXX in the afternoon as on my XXXX minutes break from work, I rushed to check again. I had gone during lunchtime to a XXXX XXXX XXXX branch to check if that transfer was available. It was not. Therefore, I was unable to rush, at about XXXX or XXXX on a short break to go make a deposit to JP Morgan Chase. It against work policies to leave the immediate locations of work place. Off of that first job, I went to my newly found second job and did not get off until XXXX. On my way bank, I stopped at the branch of JP Morgan where I bank to make a deposit of {$260.00}. But before doing this, I asked the ATM machine for a statement which read : " Available balance - {$41.00} ''. I then made the deposit and mentioned above and got also a receipt for it. To my biggest surprise, I received, yesterday, on XXXX XXXX, an alert from Chase which was confusing to me, stating that " There was insufficient funds to complete the deposit ''. Alarmed by this message, I went online to check the status of my account and was dumbfounded to XXXX that Chase charged me a {$34.00} fees for those {$41.00}. I found this abusive and this is not the first time I had this sentiment about the fees Chase charged me for overdraft. I readily accept some of the fees, some I contest but this latest is XXXX of the most unfair, outrageous that Chase charged me and that I would like to review and ask Chase for its reason for doing so as it also charged me fees, still, whereas, I transferred money from a saving account fees that I have with the same bank to a checking account. 
I would like a review of all the fees Chase has been charging me since I bank with it and a refund for those fees that have been charged abusively and any other action your agency deems appropriate. 
I thank you for your time and attention. 

XXXX XXXX XXXX
Product: Checking or savings account

Primary document is Attachment A. 
Supporting documents are Attachments B1, B2, C, D, and E Active account numbers have been redacted. 
Remaining account numbers have been closed. 
My name has been used because of prior contacts with the Bank.
Product: Checking or savings account

On Friday XXXX XXXX, I deposited my tax return check. I noticed the funds were not availabile, later that day and called. They said typically they release the next day. I asked if that would still be the case considering the next day was Saturday XXXX XXXX. They assured me the funds would release, even on a weekend. 

The next day I was completely locked out of my account with no online access or debit card access. 

I reach out to XXXX bank that Sat. XXXX XXXX about the issue to which they said there was nothing they could do as their fraud Dept was closed on weekends and I would need to call them on Monday XX/XX/XXXX. 

I called XXXX fraud department on Monday XXXX XXXX, which was admittedly located in the XXXX. In order to access the issue this off shore contractor, 53rd uses for their fraud department they had me give them private information such as my social security number.

I verified this again with my local branch, before giving them any information. 

I was told to verify the government issued check it would take up to 45 days. 

During those 45 days I would have XXXX access to any funds that were in the account prior to and XXXX access to the account, online or otherwise during the course of them confirming the validity of the check. 

This is XXXX. No way any of that takes XXXX  days to clear. 

In the meantime myself and others consumers in the same boat are not only with out access to their bank they are incurring fees on any auto pays that are set up and can not be paid.
Product: Checking or savings account

I am writing to file a complaint against Wells Fargo 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 XXXX XXXX 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: Student loan

I am receiving loan solicitations for a person whom does not live at my address ( XXXX XXXX, in this case ). I do not wish to receive these mailings and Discover Student Loans ' web site makes it difficult to find contact information to opt out of them.
Product: Debt collection

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe my social security number was used to acquire personal and auto loans
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, after being on hold for over one hour, I spoke to a representative at Mohela. I informed the representative that Mohela had duplicated the student loans in my credit report, which is preventing me from qualifying for a mortgage. The representative told me that they would work on resolving the duplicate student loan reporting. 

Because the duplicate credit reporting was not resolved, I called Mohela again on XX/XX/year> ; after being on hold for 1 hour and 27 minutes, I could not reach anyone. 

Mohela 's error prevents me from qualifying for a mortgage and purchasing a home.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding their failure to remove an unauthorized inquiry from my credit report, as well as their violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( a ) ( 2 ). 

On XX/XX/2024, I submitted a dispute to Equifax requesting the removal of an unauthorized hard inquiry made by XXXX XXXX on XX/XX/2024. Despite clear instructions, and FTC identity theft report and authorization provided in my initial letter, Equifax has failed to take appropriate action to delete the unauthorized inquiry. 

Subsequently, on XX/XX/2024, I sent a follow-up notice expressing my dissatisfaction with Equifax 's lack of action and demanding the immediate removal of the unauthorized inquiry. However, Equifax responded on XX/XX/2024, stating that inquiries are factual records of file access and will remain on the Equifax credit file for XXXX years from the reported date. 

This response is unacceptable and directly violates my rights under the FCRA. Equifax has failed to comply with my lawful request for the removal of inaccurate and unauthorized information from my credit report, as outlined in 15 U.S. Code 1681b ( a ) ( 2 ). Pursuant to 15 U.S. Code 1681n for obtaining a consumer report without permissible purpose, Equifax is civilly liable to me in the amount of {$1000.00}.

I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Equifax for their non-compliance with federal regulations and failure to address my concerns in a timely manner. Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

I had an auto loan with XXXX XXXX for a vehicle that was involved in an accident in XXXX and declared totaled. The insurance payout was used to completely pay off the outstanding balance on the loan. Despite this, my credit report reflects negative information regarding this account, which should not be the case since the loan was paid off following the total loss of the vehicle. 

Relevant Dates and Amounts : Date of Incident : XXXX  Insurance Payout and Loan Payoff Date : XXXX Original Loan Amount : {$12000.00} Insurance Payout Amount : Approximately {$6000.00} - {$7000.00} Actions Taken : After the vehicle was totaled in XXXX I filed a claim with my insurance company, which they processed successfully. 
The insurance company issued a payment directly to XXXX XXXX, which was applied to the outstanding loan balance, effectively paying it off. 
Despite this, XXXX XXXX has reported negative information to the credit bureaus, indicating a derogatory status on this account, which should not occur given the circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXX/XX/XXXXXXXX Balance : {$0.00} XXXXXX/XX/XXXX XXXX Balance : {$0.00} XXXXXX/XX/XXXXXXXX Balance : {$6400.00} XXXXXX/XX/XXXXXXXX Balance : {$0.00}
Product: Debt collection

I have disputed this account several times, received no validation. I do not owe this nor have ever received verification Grant and weber # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : Late Payments from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX  XXXX {$420.00} XXXX   XXXX {$700.00} XXXX  XXXX {$450.00} XXXX XXXX {$520.00} XXXX   XXXX