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

I purchased a used car, a XXXX XXXX XXXX and financed through Huntington Bank in XXXX. I was XXXX at the time. A year later, the car was totaled in an accident. My insurance wouldn't cover the entire amount, however I had purchased Gap insurance at the time of buying the car. There was around {$330.00} left to be paid. My dad, my co-signer, contacted the gap insurance company to get the remainder paid off. There was an issue with them where they wouldn't contact or pay the bank directly. We spent months talking with Huntington and the gap insurance company trying to get the situation settled. I was under the impression that it got taken care of from the gap insurance company. I pulled my credit and found that every month for the last FOUR YEARS, there's been a derogatory mark on my report because the gap insurance company in fact did NOT take care of it. The negligence of Huntington Bank and the Gap insurance company has caused damage to my credit score. Neither company contacted me or my dad in regards to the delinquent account. I was unable to even see when viewing it within XXXX XXXX. I contacted Huntington to see if they could help correct it, but all they can do is mark the account as charged off after I paid the balance. More than I'm concerned about the money I wrongfully just paid, I'm upset about the four years of damage to my credit due to someone not doing their job.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 - XX/XX/year> XXXX - XX/XX/year> Bankruptcy - XXXX
Product: Mortgage

My name is XXXX XXXX XXXX, I filed for a loan with Prosperity Mortgage, my closing date was XX/XX/19. I was told they had the information they needed to meet closing but everyday they needed more.I talked to XXXX XXXX XXXX and XXXX XXXX the day before the closing and was told that nothing could be done with out all paperwork specified in the email. My parents gave me money for the closing and they said they needed a copy of the check and the statement showing it coming out of the account. I sent the information XX/XX/19 and they said they needed my parents 30 day transaction history ( I sent a letter to vacate on XX/XX/19 for my apartment ). My parents were not willing to give it to me. When I told him XXXX he said if I didn't get it he could not do anything because it was a federal loan and he didn't make the rules. All emails they sent said the loan was contingent on my parents statement that they would not give me. If I could not get it the loan would be denied. That being said I argued with my parents and gave them back the money. 

Now they call after I told them I gave the money back and talk about the seller suing me for being denied on the loan because they said I dropped out for personal reasons. 

LOAN ID # XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am not liable for this debt with 12 XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with LVNV FUNDING LLC plus they did not provide me with the original application like I asked. 

Account XXXX Amount Disputed : {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported me 30 days late in XXXX/XX/XX/2020. I contacted the company about the credit reporting of 30 days late. They informed me that they never reported me 30 days late. Despite them denying the fact that they reported me 30 days late in XXXX /XX/XX/2020, my credit report still reflects 30 days late in XXXX/ XX/XX/2020. Also, I filled out a credit dispute on the 30 days late with XXXX, XXXX, and Experian. My credit reports reflect that dispute was resolved, yet I still have 30 days past due showing on my credit report for XXXX/XX/XX/2020. This issue never was resolved. 
My credit score dropped over 60 points from this misreporting/ error on my credit report. I'm suffering greatly from this misreporting and have been denied for car refinance loan and debt consolidation loan due because the 30 days past due and my credit score dropping over 60 points. Lastly, I contacted XXXX in XXXX and XX/XX/2020 via phone and letter. I never received any correspondence from the letter to XXXX at all.
Product: Credit card

I recently, just checked All my credit cards and checked all through them since XXXX, I had not been able to do so over the past couple years due to mental illness and being hospitalized several times, I had automatic payments set for the set amount to be taken from my account every month, I noticed the card from XXXX has net been used but once in XXXX for an XXXX care bear, and 4 times last year for XXXX cd,XXXX cartoon dvd 's and a doll, and thats it for 2 years, then I check back till XXXX, I see XXXX flat screen tv 's and cancelled by them and what I really noticed is the money owed on the card has been XXXX for 3 years? I make a call to XXXX XXXX at Walmart.com Customer service, he see 's the transaction and cancelled but the charges remained on my card and a doll set that shipped and was never delivered, and say, wow, this is a lot of money being charged and it clearly shows they were not cancelled, walmart never send me a statement with purchases nor returns, the card is cancelled and escalated to investigations, the weird thing is, early that same day, I recieved a New card, and that prompt my call as well, it has a new number, so I call walmart.com again, this time its XXXX id # XXXX she tells me there are no previous charges on my since as of XXXX XXXX had printed out the cancelled charges of the tv 's, and walmart has removed all information and closed the account I called about, sent me a new card with the charges on it!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian XXXX a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payment was incorrectly reported due to a clerical error on the part of XXXX. My payment was made on time, as confirmed by my bank records, but was mistakenly recorded as late due to a processing error within XXXX 's system. This error has unjustly impacted my credit report and does not reflect my true payment history. 
Evidence provided : Bank statement showing the payment made on time. 
Confirmation from XXXX acknowledging the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). The following account is in question : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information Type of Business Personal Loan Companies - Line of Credit - Bank Line of Credit - Bank - Bank Credit Cards Personal Loan Companies Student Loans Bank Credit Cards Bank Credit Cards Student Loans Personal Loan Companies Miscellaneous Finance Student Loans Bank Credit Cards Bank Credit Cards Line of Credit - Bank I have reviewed my credit report , and it has come to my attention that the information pertaining to the above-mentioned account is erroneous and has a detrimental impact on my creditworthiness. I believe that my rights under the FCRA have been violated, and I am formally requesting an investigation and correction of this matter. The account in question has been inaccurately reported as mine. I suspect that my personal information may have been compromised and used fraudulently to open this account. I have not authorized any such account, and this is a clear case of identity theft. 
The credit reporting agency has not sufficiently verified the accuracy of this information before including it in my credit report, which is a violation of the FCRA.
Product: Student loan

I have contacted Navient on several occasions to discuss the options for repayment of my loans. On each occasion my willingness has been met with opposition and very unpleasant experiences. Representatives have seemed unwilling to arrange a repayment plan that is reasonable or at the least, manageable. I have been required to complete income verification forms and have done so each time I am asked, only to be advised on a few of those occasions that my paperwork was not received. There seems to be a lack of organization on the part of this lender and a high level of resistance to assist account holders like myself, who are willing to enter into a repayment plan. I 've also contacted Navient to discuss the options for Public Service employees in regards to repayments plans as I am XXXX and have been for several years. When inquiring, I was more or less advised no such option existed although I had obtained information online advising such programs were.
Product: Debt collection

I was called by XXXX XXXX this morning at XXXX. He was incredibly rude asking me to settle my debt with my university. He called me irresponsible multiple times and kept saying that I didnt know what I was talking about. When I called back to make a complaint, I spoke to his manager XXXX XXXX ( sp? ). This was at XXXX. She was also unhelpful and dishonest. Multiple times she said she hadnt heard the call and would need to review. Then she slipped and quoted XXXX verbatim and tried to say shed just walked by his desk. She also said that she didnt understand what else he was supposed to call me besides irresponsible because I wasnt taking any of the options I was given. If William & Fudge want to collect debts for companies, they need to have a little more tact. Lecturing people and insulting them must be the business model but I cant see how it benefits anyone. Ill be posting this review literally anywhere I can find William and Fudge listed.
Product: Debt collection

I missed a phone call from First National Collection Bureau. Called them back. The lady that answered the phone proceed to start yelling at me when I told her that the debt she was trying to collect was over 10 years old. She started to cuss at me, telling me that my rights did n't matter and that she would be collecting the debt one way or another.
Product: Credit reporting or other personal consumer reports

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

XX/XX/XXXX I received a call from an Affirm automated system indicating that someone was attempting to change the phone number on my account. Called Affirm to report and I was told there were no transactions. Affirm text and called in XXXX requesting past due loan payment. XX/XX/XXXX I discovered the unauthorized loan # XXXX and reported the fraud to Affirm. I was told the company would take 30 days to investigate. XX/XX/XXXX I received an email from Affirm stating that I am liable for the loan. XX/XX/XXXX I received another automated call from Affirm stating that someone was attempting to change the number on my number. I called Affirm again to report. I was told that the company would investigate and that my account would be frozen for 30 days, prohibiting any further transactions. XX/XX/XXXX Affirm completed an unauthorized draft my account checking account for loan # XXXX. On XX/XX/XXXX I logged onto Affirm.com to pay the XX/XX/XXXX loan and discovered three new loans that originated on XX/XX/XXXX. One day after my account was supposed to be frozen. XX/XX/XXXX I spoke with XXXX ( ID # XXXX ) and was told that I am liable for the loans and my account can not be closed for future transactions.
Product: Credit card or prepaid card

After attempting to close a Chase Amazon credit card account I noticed that I had been charged over {$2000.00} in fees. Keep in mind that the credit card limit was only {$1000.00}. I have disputed the charges but I did not receive any results. It does not surprise me after leaving the military I had a auto loan that was automatically deducted each month. The problem was after I left the military the deductions continued after monthly deposits stopped. The account was overdrawn and before I noticed the account was sent to collections. I paid the day it was supposed to transfer to the collections company but Chase still reported the account to XXXX XXXX. My point being that Chase has a past of not talking care of even long time customers.
Product: Checking or savings account

I tried sending money to a friend on XXXX XXXX XX/XX/XXXX and it was sent to the wrong user both the user and my friend had the same name. The only verification needed before sending funds was that my finger be on the button. I noticed it went to the wrong Person when i got the request from the right person. But by the time I Realize what was happening it was too late. I tried emailing the company but their customer service did a awful job answering my questions. Both me and my friend emailed back-and-forth with the company and they gave us both a different answers. Both me and my friend emailed back-and-forth with the company and they gave us both a different answer. Also the customer service I was talking to a robot not a human.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against affim for providing incomplete documentation to validate a debt. The company typically responds within three days and sent an agreement asserting that I was the borrower, along with additional documents. However, none of these documents bear my signature to confirm my obligation. 

I believe this practice does not meet the full validation requirements under applicable consumer protection laws. I request that the CFPB investigate this matter and take appropriate action to ensure that proper, fully validated documentation is provided. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Dispute Complaint Regarding Inaccurate Late Payments Reported Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for an account I previously disputed. Despite multiple requests for correction ( letters dated XX/XX/XXXX, and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reporting on this account indicates a failure to conduct a reasonable investigation as required by the FCRA.

TILA Violations Under 15 U.S. Code 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement, which has caused unnecessary harm to my creditworthiness. 
Late Payments Reported The following late payments have been inaccurately reported : 30 days late for XX/XX/XXXX These late payment notations are incorrect and do not align with my actual payment history. These errors have caused unnecessary harm to my credit score and have not been corrected despite multiple disputes.

Evidence of Error Although I do not possess payment records or correspondence from the creditor, the inaccuracies in the reporting are clear and should have been verified through a proper investigation as required under the FCRA.

Desired Resolution To resolve this issue, I request the following : Immediate removal of the inaccurate late payment notation from my credit report.

Written confirmation that the correction has been made.

If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies as allowed under the law.

Thank you for your attention to this matter. I trust you will handle this dispute with the urgency and accuracy it requires. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX  Account Name : XXXX MTR # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Chase advertises and told me personally when I opened the checking account that I would receive {$200.00}. I told the lady thats the only reason I was at Chase was to receive the {$200.00}. She led me to believe that it would automatically happen. I opened the account in XX/XX/2022. In XX/XX/2022 I still did not receive the {$200.00}. I went to the bank and spoke to the same lady that opened my account and she admitted that she withheld information about the bonus. She said she wasnt allowed to tell me anything and that it was too late to get the money now. She told me what I would have had to do. If it was a secret why was she revealing it to me now? Just because it was too late? I told her because I said the only reason I was at Chase was the {$200.00}, she should have told me then. At the time I opened the account she definitely told me everything was fine. She blatantly lied to me and deceived me. Its a shame how Chase trains their employees to be deceitful in their business practices and that their are people who comply. Why cant I trust a bank-Chase-to treat me with honesty and respect? Is there a banking institution that I can trust to be honest? Please help me. Thank you-XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing XXXX XXXXXXXX XXXX concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Product: Debt collection

As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for  TRANSWORLD SYSTEMS lic ense. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-101. TRANSWORLD SYSTEMS do es not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTI CES ACT 62-20-105 stat es no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES A CT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who  has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor.  TRANSWORLD SYSTEMS is i n direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.