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

XX/XX/XXXX I had went to The XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, MI XXXX to purchase a Golden Retriever. After picking out my dog I was told the purchase price was around {$2500.00}. The attended explained that if I did not have the full amount I could purchase the dog using a monthly payment option. The attendant then obtained my information to attempt to qualify me. She then explained that I had been approved through XXXX XXXX. She then drew up paperwork and presented it to me for signing then informed me that I needed to also pay {$470.00}. The paperwork I signed included payments of {$220.00} for 27 months. I made 8 monthly payments totaling {$1600.00}. On XX/XX/XXXX, I contacted Monterey Financial to request a pay off amount and was told that if I paid {$2100.00} by XX/XX/XXXX my obligation would be satisfied. Later when researching options to pay the amount I discovered there were speculations that the operation may not  have been practicing fair lending. I have been told the company was being investigated and had been shut down. I have been manipulated into leasing my pet. I realize that if I paid out the full lease the total of payments is {$6100.00}. I have also been informed that after paying the full lease, I would still need to purchase the dog at a value they deem as fair market value. It was explained in the lease to be {$370.00} plus official fees and taxes related to the purchase. I have been aware that this company is based out of California which does not allow pet leasing. Also, it is now my understanding that Michigan has a Bill in the Senate waiting to be passed making pet leasing illegal. I do not want to lose my pet nor do I feel it is fair to pay this excessive amount. I am seeking your assistance in finding resolution to remove myself from this obligation. I do not feel that I should pay any further, but do not want my credit negatively affected.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account reported by XXXX XXXX XXXX  for {$930.00} on my credit report. This account is being reported without proper validation or assignment documentation, which is a violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX. **Lack of Debt Validation** Under **15 U.S.C. 1692g** of the FDCPA, a debt collector is required to provide a validation notice within five days of their initial communication. This notice must include information about the debt, such as the amount owed, the name of the original creditor, and a statement of my rights to dispute the debt. To date, I have not received any such notice, nor have I received any evidence that verifies this debt. 

XXXX. **Lack of Assignment Contract** Furthermore, I have not been provided with any assignment contract that shows XXXX XXXX XXXX has the legal right to collect on this debt. Without this documentation, the collection agency can not legally pursue this debt or report it to the credit bureaus.
Product: Money transfer, virtual currency, or money service

i tried to send money with worldremit in the amount of {$1200.00} on XXXX XXXXthe money was taken out instantly from my debit card but later got a message that it was cancelled so i will get a refund in 7 working days. I waited after the 7 days as promised and called back only to be told that now they can't tell me when it will be refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX XXXX has been running " a credit application '' for various " XXXX credit accounts '' that I'VE NEVER APPLIED FOR! I've filed various complaints and asked that they STOP! The previous complaint that I filed through you resulted in them " masking ' the inquiry but apparently not in them stopping the activity since on XX/XX/XXXX it was done again according to the attached letter. I WANT THEM TO STOP! In addition to this request I WANT THEM TO PROVIDE ME WITH THE IP ADDRESS THAT THE APPLICATION WAS SENT FROM SO THAT I CAN TURN IT OVER TO THE FBI INTERNET CRIMES DIVISION so the culprit can be prosecuted accordingly. I was told with the XX/XX/XXXX inquiry to ask for this information in writing so in addition to telling them to STOP, I want the IP information sent to me in this response. I want them to remove the fraudulent activity of course.
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment regarding your recent claims concerning my accounts. I firmly reject these claims based on the fact that you lack substantial material evidence to support your assertions. As a result, I strongly urge you to promptly commence a comprehensive investigation into these matters. 

Your recent claims have cast a significant shadow over my financial standing and hold the potential to cause severe harm to my creditworthiness. It is of utmost importance that we address this situation swiftly and accurately to prevent further repercussions. 

Furthermore, I want to emphasize my strong rejection of your decision to decline my identity theft claim. The authority to determine whether I have been a victim of identity theft does not reside with your organization but with established legal processes. Your authority or legal standing does not grant you the right to make such a determination on my behalf. 

If you persist in declining my position, I am prepared to take legal action by contacting my attorney to seek a legal remedy. I implore you to ensure that my identity theft claim is processed in strict accordance with the law. 

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

I am writing to formally dispute the presence of a fraudulent public record on my credit report, which is currently being reported by your bureau. Despite my submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), this fraudulent public record continues to appear on my credit report. 

Bankruptcy XXXX XXXX Discharged Reference : XXXX. 

Upon discovering this fraudulent public record, I immediately submitted a dispute to the FTC and provided all relevant documentation to support my claim of identity theft. Despite this, the public record remains on my credit report, causing significant harm to my creditworthiness.
Product: Credit reporting or other personal consumer reports

I approved one bank to check my credit. I didn't approve any other bank to pull my credit since I was already XXXX  approved with one bank. They ran my credit over and over calling banks, when I realized what had happened I ran to there to tell them to stop, that I DID NOT authorize any of those banks to pull my report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I sold my home and closed early XXXX. I had over {$2500.00} paid into escrow that needed to be refunded. I called my servicer and I was told the check was cut on the XXXX of XXXX. Ive called 3 times to ask for an update and today ( XX/XX/22 ) I was told I should wait another 2 weeks. I feel like there should be some kind of maximum time frame a bank has to refund money and if they dont, I should be paid interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX I have expressed to EXPERIAN, XXXX XXXX. XXXX that they were not REPORTING my XXXX XXXX XXXX XXXX  Date open XX/XX/XXXX Credit History 7 years 11 Months ALL 3 REMOVE this information XX/XX/XXXX. 

This has possessed a INTENTIONAL NEGATIVE AFFECT on my PERSONAL and BUSINESS! 

Each bureau, Experian, XXXX, XXXX have COST my Business at LEAST {$10000.00}. Dollars of BUSINESS CREDIT! 

I reach out to them on 6 occasions. NO RESULTS!!
Product: Credit reporting or other personal consumer reports

I contacted comenity bank about an account from 2017 that was paid as agreed and is outside of the statue of limitations for collection where I live but they keep reporting old information that is inaccurate
Product: Student loan

Riverwalk called me to offer help lowering my student loan repayments however they did not explain the fee will apply. Instead they declared the money will go toward my loan repayments considering giving a fault statement. I did not want to pay fee to lowering my loan because it can be done free through fafsa.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact the bureau monthly since XX/XX/2018 to present, to get them to investigate a public record on my credit report. I am a XXXX and share the same name with my father, I have asked them on a monthly basis to re-investigate their findings as my credit file may be mixed or merged due to a similar name.I have got the same " verified '' answer every month. I have contact the court system as well as XXXX XXXX and no one can or has provided me with documentation that shows that this account belongs to me instead of my father.
Product: Bank account or service

TO THE # CONSUMERFINANCIALPROTECTIONBUREAU : # StateFarmXXXX has NOT been processing my automated monthly payments timely and has caused my bank account with the # XXXX to go overdrawn 3 months in a row. 
State Farm has tried to blame my bank, who knows my banking behavior and knows me, since I have had this account with the XXXX over 20 years. 
Throughout this time with the XXXX, I have done business with many other companies, which I permitted automatic monthly deductions from my bank account, to pay for a service or product. 
But I have NEVER experienced this before with any other company, where they were so slow in taking out or pushing the necessary buttons to take outfrom my account topay my insurance. 
Not only has State Farm caused me to go overdrawn on my Bank Account, but this slackness on their part incurred fees to my account, fees which I can not afford. 
Instead of pulling out from my account the set date or the next day, or even when I called to make the payment early, State Farm would wait to pull from my bank account, 4-10days after the set day, on the exact samedays that other transaction/s happened to be pending. 
Right? I thought since # XXXX & StateFarm ARE RIVALS, and since # President # Obama and his 'brothers ' have had access to all sorts of # Securities and # Banks, that maybe they are trying to drive State Farm out of business, because I have NEVER had any problems with State Farm before. 
However, it has been since XXXX, that I just most recently resumed business with State Farm, in the XX/XX/XXXX. 
This practice of waiting to deduct from my account days after the set date, or NOT even deducting when I callin early to make a payment, and then deducting one too many days after when I happen to have another transaction/s pending on those days, IS of GREATconcern to me. 
Like many Americans, I live paycheck to paycheck. I am poor. I do NOT own a personal computer because I have been displaced, moving place to place trying to obtain work, where I can afford housing. 
When 'Big # Banks ' or Big Companies begin to find ways to exploit their clients based on the data of their banking behavior and/or purchases and those locations of those purchases, I personally become more 'affected'by this. 
I have tried to resolve this issue for several months, back and forth, back and forth, back and forth. 
But, I am not pleased with how this is being handled. 
I am in need of assistance. 
Sincerely Yours, XXXX
Product: Debt collection

I kept receiving letters of collection for this debt. They put it on my credit report and I was denied credit. I wrote to them, stating I was living in North Carolina at the time, in addition I never took an ambulance. I asked for proof of service, did not receive. I wrote three more times and all they do is send the collection notice, in the amount of {$1900.00}. I have copies of letters.
Product: Student loan

I contac ted Navient regardi ng my private loans &amp; requested to see if they can lower my monthly payments. I authorized Navient monthly payments in the amount of {$250.00} to be withdrawn monthly from my bank account. I submitted the documentation that they reque sted ( pay stubs &amp; bank statements ), however th ey advised after a financial review, you appear to have the ability to maintain the contractual terms ( $  XXXX  monthly ) .. Since my BF transferred money from his account to my account, they are now requesting his bank statements as well. My BF does not want to disclose his bank statements since he is in no obligation to pay for my debt. I contact ed Navient to advise  of the situation and they still are unwilling to lower the monthly payments. I spoke with a  CSR (   XXXX   )  on Sat  XXXX / XXXX /  XXXX  . She was extremely unhelpful &amp; advised me to call m y CSR (   XXXX   ) since he is the one wo rking on my account. I reached out to  XXXX  on Wed  X/XX/17    to advise my BF does not feel comfortable releasing his bank account information since this is not his debt and he is not obligated to pay for this debt.  XXXX  advised me without this information he can not further assist me or do anything for me. I advised him I only make {$35000.00} a year &amp; there is no way I can pay {$590.00} a month. He advised me in the last 5 years I have had  XXXX  rate reductions and they are under no obligation to reduce my monthly payments. I advised him because of my financial situation was the reason I had to file for bankruptcy last year. I advised him if I was able to make the monthly payments of {$590.00} I would be more than h appy too &amp; avoid m yself the headache and frustration of having to deal wi th Navient. I a dvised him since they are not willing to accept the monthly payments that I can afford to make, I unauthorized for them to deduct any future payments from my account until this matter was resolved. I advised him I was going to file a complain with the CFPB for their assistance in this matter. I looked over my credit report today &amp; they have reported me to the credit bureau as being 90 days past due, but m y 1st pay ment was not due until  XXXX  so how is it they I am 90 days past due. I am asking the CFPB to please assist me with this matter. Thank you.
Product: Checking or savings account

I applied for a HSBC Advance checking account on XX/XX/18 with a promotional offer of {$350.00} ( screenshot of details is attached ) after depositing {$10000.00} in new money within 30 days of account opening and maintaining that balance for 90 days. 

I received an email on XX/XX/18 ( PDF is attached ) saying my account application was pending and if they did not receive the required initial deposit they would be unable to open my account. 

I made the required initial deposit and received an email on XX/XX/18 ( PDF is attached ) saying my account application was approved. 

I made my deposit of {$10000.00} on XX/XX/18 ( screenshot is attached ) which is 30 days from the account opening date of XX/XX/18. 

I had not received the bonus so on XX/XX/18 I logged in to my HSBC account and started a chat session ( screenshot attached ) to inquire about the status of my promotional bonus offer. The HSBC chat representative mentioned they could see that I had met the requirement for the promotional bonus, but that it takes 6 to 8 weeks to receive the bonus after the requirements were met. 

I waited for that period of time and checked again through a chat session on the status of my bonus and was told that I had *not* met the terms of the promotion, which was contrary to what the chat representative told me on XX/XX/18. I mentioned my deposit was within 30 days of account opening but they told me that my account was opened on XX/XX/18, not XX/XX/18. The email I received on XX/XX/18 not only said " account application pending '' in the subject, but also stated " Please note your application will expire in 25 days and if we do not receive the required initial deposit we will be unable to open your account '' which led me to believe my account was waiting on my initial deposit to open. 
They told me they were going to submit an inquiry to their 'rewards team ' and would get back to me. 

I waited a few weeks, had not heard anything and started another chat session and was told an inquiry was actually *not* submitted but they would go ahead and do that after I requested it again. 

Instead of wasting more time and waiting even longer, I decided to submit this complaint for a hopeful resolution.
Product: Checking or savings account

Capital One is holding close to {$28000.00} of my paycheck and my company bonus, from this tech issue and I have bills due and fees being incurred due to this not being resolved. I need my money NOW!
Product: Debt collection

I was alerted via XXXX that this company listed my an account with my information under collections.
Product: Vehicle loan or lease

CAPITAL ONE AUTO LOAN. 
MY AUTO LOAN IS OVER THE 11 YRS OVER STATUE OF LIMITATION. THE VEHICLE WAS REPOSSESSED AND CHARGED OFF OR PRIOR COLLECTIONS LOAN ; WITH AN UNPAID BALANCE. LOAN IS NOT REFLECTING ON MY CREDIT REPORT OR CREDIT SCORE.  CONTACTING COMPANY I AM LEAD TO UNDERSTAND THAT THE AUTO LOAN HAS A BALANCE AND RIGHTFULLY I'M OBLIGATED TO PAY THE BALANCE. I WOULD BE NAIVE TO MAKE A PAYMENT ; RESTARTING A CHARGE OFF OR PRIOR COLLECTIONS LOAN. QUITE FRANKLY, I GOT VERY ILL AND LOST MY XXXX AND AT SUCH DON'T REMEMBER ANYTHING ABOUT IT. THE PROBLEM I HAVE IS THAT I HAVE HAD A CREDIT CARD WITH THE SAME COMPANY NOW FOR QUITE SOME TIME, THIS AUTO LOAN NEVER SHOWED ON MY DASHBOARD. I RECENTLY APPLY FOR ANOTHER CREDIT CARD FROM THE SAME COMPANY. I RECEIVED IT, NOW THE AUTO LOAN SHOWS UP ON MY DASHBOARD. CALLING THEM THE EXCUSE IS THAT THEY HAVE REPLACE TO A NEW SYSTEM WHICH NOW ACCOUNTS FOR THIS UNPAID LOAN. I JUST WANT TO PUT THIS AT REST, ALTHOUGH IT'S NOT ON MY CREDIT REPORT. THANKS
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX, XXXX  XXXX on XX/XX/year> and XXXX, an inquiry from XXXX XXXX  on XXXX/XXXX/XXXX, and inquiries from XXXX  XXXX  on XX/XX/year> and XXXX  XXXX  on XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.solution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Money transfer, virtual currency, or money service

When sending money to someone, it did not tell me to make sure I had the right information of who Im sending money to, i mistakenly sent money to the wrong person, and could not get a refund, now apparently Zelle has fixed that issue when they noticed their mistake, but Im still out of the money I sent someone, I never got reimbursed or anything.
Product: Credit reporting 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 Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$860.00} XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXXL XXXX Balance Owed : {$37000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$9800.00} Chapter 7 Bankruptcy XXXX Date XXXX XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX XXXX  XXXX Balance Owed : {$36000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$7700.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX  XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX XXXX Owed : {$1900.00} XXXX XXXX XXXX XXXX Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX Balance Owed : {$37000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$7700.00} XXXX  XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX XXXX Owed : {$1900.00} XXXX XXXX XXXX XXXX Owed : {$1900.00} XXXX XXXX XXXX  XXXX Balance Owed : {$660.00} Chapter 7 Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted to fake accounts with Bank of America. I have atempted contact however no one would rrespond. I have been the victim of multple fake accounts. This has affected my XXXX career, access to funds, and personal Identity being stolen