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

In XXXX, I had purchased a car through wellsfargo. I had the car for a couple of a years. I always had my own insurance. I hit hardship and my insurance lapse, I didnt renew it right away but was going to at the end of the week when I got paid. Of course with my luck, not even a few days after it lapse, I get into an accident and total my car. Go figure! I stopped paying on my loan and it went into collections and onto my credit. This was XXXX. 
Fast forward to this year ; I was aware of the lawsuit and was informed I was one of the many consumers who paid for cpi insurance without knowing. So I thought, if I had cpi insurance why didnt my car get covered? 
I didnt know what they decided on my case, So I called the cpisettlement hotline. They explained that the caulcalution they came up with was {$200.00} and some odd dollars and that they credited it towards my remaining XXXX XXXX+ loan balance. I asked how they came up with that calculation as well as asking why didnt the cpi insurance cover the loan and the cpi settlement hotline couldn't answer me and neither did anyone at wellsfargo.  I was getting the run around and spoke to 7 different people. Finally, a gentlemen at wellsfargo did however tell me that theres nothing they can do anyways because my loan was so old and that they are closing the account. Instead of answering my questions he said that we are now closing the account since we are finally now speaking to you and for XXXX tax time the XXXX XXXX+ loan will be a earned income credit for you and I would have to pay the taxes on that. 
I do not feel that was the correct and proper way of handling my case. I feel as if my car should've been covered through the additional coverage I was unknowingly paying for through wellsfargo. But according to them, I was paying additional on something that covered them, and not myself. It's ridiculous and it doesnt make sense.
Product: Credit reporting or other personal consumer reports

I've never lived at an address that is appearing on my credit report. I have disputed with XXXX XXXX, Equifax, Experian, and Transunion.
Product: Credit reporting or other personal consumer reports

I have not initiated any creation of these accounts and believe they are potentially fraudulent. Please verify them and ensure they are promptly removed from my credit report ASAP.
Product: Vehicle loan or lease

At the end of XX/XX/XXXX ( XX/XX/XXXX I believe ) I went to XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX- ( XXXX ) XXXX ) and I dealt with XXXX , one of the salesman. I explained to them that I had another 4-5 months left on my XXXX XXXX XXXX and that I was interested in looking at a new XXXX XXXX XXXX, but in order to do the deal they needed to pay off the remaining lease payments for my truck. We ended up coming to an agreement where they would pay my truck off and I would lease the new XXXX XXXX XXXX XXXX or at least I thought that was the case. I got the XXXX but about a month later, XXXX XXXX called me saying that I was delinquent on my lease payment for my XXXX XXXX. I explained to them that I did not even have the truck anymore and gave them XXXX XXXX 's information. I didn't think anything of it until I received another call a few weeks to a month later saying the same thing. I then got worried and started to call XXXX XXXX. They could not get me any answers and they kept saying someone would get in touch with me that they are looking into it. I kept texting XXXX and calling him, but got the same answers ( I have the text messages ). It wasn't until I refused to talk to the sales team and asked to speak to the general manager that I found out that both the General Manager ( who I dealt with ) and the Finance person ( who I also dealt with ) had been fired and they lost my deal/lease information and didn't pay off my car as promised. After finally getting to talk to the acting General Manager/Manager, they finally got to the bottom of it and had their corporate team cut a check. The reason I am emailing today is because it is already too late, my credit has sunk nearly 200 points and says it is now poor when it was very good. I need your help in correcting this. Please let me know if you need to see the text messages as backup
Product: Credit card

He's started a XXXX  called XXXX XXXX  where he intends to lend ( no matter what credit score ) the first {$50.00} at a 69 % APY to any applicant unknowingly thinking they are applying for a legitimate credit card in XXXX XXXX. The scales eventually go down to 30 % but that's at over an XXXX XXXX XXXX. It's a total scam as is his business.
Product: Student loan

I made a few payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to repay my loan. However, the payments didn't apply to my loan account. I had called at least XXXX times to report the problems to Mohela but they never resolved the problems. 
In fact, they just took the customer money and never applied to the load balance.
Product: Credit card or prepaid card

XX/XX/2021 I bought tickets with Jet Blue to XXXX XXXX that were non refundable tickets so I bought travel insurance which was charged to the Barclay 's bank credit card associated with Jet Blue. One of my family members XXXX XXXX and I cancelled the trip. When I called Jet Blue they said the tickets were non refundable tickets upon which I replied yes but I have travel insurance. I called Barclay 's and initially they refunded the money but then they sent me a letter stating that the merchant had not violated the terms and conditions. This was not true since I had purchased trip insurance through Jet Blue as well on the same transaction. They finally sent my account to XXXX XXXX XXXX XXXX to try to collect on the account.I have never failed to pay anything but I feel this account was incorrectly handled. I tried to correct it on my own but have failed. I would appreciate any help I can get to resolve this matter and get it off my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the Department of Education and any associated student loan servicers for what appears to be an egregious breach of my federally-protected privacy rights related to my student loan records and data. 

The Family Educational Rights and Privacy Act ( FERPA ) classifies student loan information held by the Department of Education as confidential education records per 20 USC 1232g ( b ). There are strict limitations on how this sensitive data can be shared or disseminated to XXXX  parties without consent. 

Despite these clear privacy safeguards, I have discovered evidence that suggests my private student loan details have been mishandled and potentially disclosed improperly by the Department and/or its servicers and contractors. This represents a serious violation of FERPA 's mandate.

Furthermore, the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) stresses the need for consumer reporting agencies to uphold accuracy, fairness, confidentiality and respect for consumer privacy rights in their activities. Section XXXX ( a ) ( XXXX ) explicitly highlights " the need to ensure fairness, impartiality and respect for the consumer 's right to privacy. '' Considering my student loan information is protected as an education record under FERPA, any improper sharing, reporting or lack of confidentiality regarding this data would contravene both FERPA and the FCRA 's stated purpose in 1681 ( b ) of ensuring proper utilization with confidentiality protections. 

I demand the CFPB immediately investigate this alleged privacy breach involving my student loan records. The Department of Education and its servicers/contractors must be held accountable for any legal violations related to the safeguarding and confidential treatment of my private student data as required by FERPA and the FCRA.

Robust corrective actions and appropriate enforcement measures are expected to uphold my statutory student privacy rights. Please advise on the steps being taken to address this complaint and ensure no further privacy infractions occur. 

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

When I test drove a vehicle on XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, GA XXXX ) assured me that viewing estimates for my auto loan rate that it would be a soft inquiry. Now I have XXXX hard inquiries on my Equifax report - one from XXXX XXXX XXXX XXXX. and one from XXXX XXXX XXXX XXXX. This will effectively lower my credit score for XXXX years, and should I try to apply for any other form of credit, give me an unfavorable interest rate.
Product: Vehicle loan or lease

purchased a XXXX XXXX XXXX XXXX in late XXXX of XXXX, payments were made for 6 plus months. I became a full-time caregiver, dropped from my career in order to supply adequate care. I contacted the lender and asked for the car to be picked up, voluntary repossession. XXXX of XXXX. I received letter from XXXX XXXX, that the taurus in question had been sold at auction, within two months of the repossession. 
Credit Acceptance is the lender and they have reported XXXX plus, owed, to this date. 
the car was purchased for XXXX and sold at auction for more than XXXX. Credit Acceptance has the same letter from the auction house, that was sent to XXXX XXXX and Myself. 
at this moment, more than the purchase price is and had been reported to all agencies. 
Being in the state of Texas, once the vehicle is sold, i am responsible for the remaining amount, not the full amount. I have explained this several times to said agency, XXXX. 
this co. will not adhere to the law. please help me resolve this matter. the loan is 6 years and 11 months out from inception, and I am being charged every month about {$100.00} dollars, which is keeping my credit scores low, despite the fact that i have no late pays. 

thank you, XXXX XXXX XXXX XXXX
Product: Mortgage

We fell behind on our mortgage when I was out of work and then when I went back to work at a reduced salary were unable to make our mortgage payments. After receiving a notice of default we applied for mediation through a state program and were denied loan modification. We put our house up for sale as we had over XXXX equity in the house and received an offer that we accepted for XXXX under the market value just before the bank set a foreclosure sale date. The contract we signed with the buyer has a closing date of XXXX XXXX, 2016 but our foreclosure sale date was set for XXXX XXXX, 2016. We have submitted multiple requests to extend the sale date so we could close escrow to settle our mortgage and get some equity out to restart with. The Bank has denied our requests and even told us that the Investor, XXXX XXXX denied the latest request. We are simply asking for a 12 day extension to close escrow and settle our account but the bank will not favor our request. The strange thing is that we were told if this was a short sale situation the bank has a policy in place to extend. My only conclusion based on that policy is that the bank and investor see an opportunity to sell our house at auction for more than we owe and come out ahead at our expense. I feel if this is the case it is not a consumer friendly practice and simply benefits the bank and investor. If they were willing to grant the extension and let us settle our loan we could also restart our lives without being in total ruin. I own the financial mistakes I have made and understand I put myself in this situation. I just do n't understand how the bank can have no compassion to simply extend us a few days to cure this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report and I noticed an address I never seen before this address below is not mines XXXX XXXX XXXX Fl XXXX Also I noticed an Employer I never heard or work for before I stated the employer below XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Experian Has Fail To Investigate & PROVIDE Me With Proper PAPER Documentation On THE COMPANY Whom Is Reporting This PUBLIC RECORD ON MY Report. As I Contacted The US BANKRUPTCY COURTS As They Explained They DO NOT VERIFY. According To Fair Credit Reporting Act I Have The Right To MAXIMUM ACCURACY. Im Asking For A PAPER DOCUMENTATION STATING FURNISHER WHOM IS VERIFYING AND REPORTING THIS ON MY CREDIT REPORT
Product: Credit card

American Express continues to send me emails informing me of my application for a new card or a replacement card. I have not applied for a new card. However, when calling the company to let them know, they insist upon me telling them my personal information ( SS # and address ) which I feel uncomfortable doing since I do n't know whom the email actually came from ( and whether it 's a phishing scam ).
Product: Checking or savings account

There was this fake banker that trick me he took all my money which was XXXX. He trying to text me and everything here is phone number XXXX XXXX XXXX he made fake phone emails XXXX XXXX he been trying to call me either he is scared or he wants more money I want my money back.
Product: Money transfer, virtual currency, or money service

Iam filing a complaint against cash app ( Block , Inc ) due to adequate customer service and unfair practices, Which violated the consumer financial protection act ( CFPA ). Specially, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive. As they did not comply with error resolution requirements under electronic funds Trasnfer act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

On XX/XX/XXXX, I shipped two envelopes from a local XXXX  store. The total charge ( for two photo envelopes, each sent to different addresses ) came to a total of {$32.00}, per my credit card statement for the month of XXXX. I used a rather unique combination of my name and my partner 's name ( we do not share a last name ) to send the envelopes. 
On XX/XX/XXXX, I received a collection notice from Transworld Systems , Inc dated XX/XX/XXXX, addressed to the same unique combination of my & my partner 's names, stating that we owed a debt of {$1000.00} to XXXX, and that XXXX had turned the debt over to Transworld Systems. At no point prior to this had XXXX  tried to notify me of any outstanding debts, nor was there any indication that there would be any further charges after I paid to ship the envelopes. I am sending a debt validation letter to Transworld Systems today, but I have read that they unlikely to remove the debt ( or will likely just send it back up to XXXX ) without me filing a CFPB complaint, as well. I will also attempt to file a police report later today.
Product: Money transfer, virtual currency, or money service

I send money on XXXX XXXX from my XXXX card to a XXXX XXXX  account in XXXX, on that day the money got deducted from my account but still now it's been 4days the money haven't reached to the XXXX Account yet.
Product: Money transfer, virtual currency, or money service

I created account on XXXX back in XXXX of XXXX with the intent to transfer {$350.00} to my attorney in XXXX. 

Today, XX/XX/XXXX, I finally submitted the transfer. 

Upon hitting the " send money '' button I got a transaction number, but before I had the chance to write it down, the website logged me out. I attempted to login, but was told that my password was incorrect. 

After attempting to login several times, I reached out to customer service via the chat. They told me that I should use another service as MoneyGram will no longer service me, implying that I was banned. They refused to provide any information on why I was banned. I requested a phone number to speak to a live person. They told me the same thing and asked that I file a complaint. 

I filed the complaint on MoneyGram website and got a case number. I am waiting for additional information, but I am not optimistic based on people 's stories I saw online. 

I am filing this complaint in the hopes that I can be given a reason of why I was banned and how I can get unbanned.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 i sent in a dispute letting XXXX, XXXX, and Equifax know that they are reporting the wrong balance on my credit report regarding the account : XXXX XXXX currently on my report. Pursuant to 15 USC 1681 : ( 1 ) The banking system is dependent upon fair and ACCURATE credit reporting. I spoke to a representative named XXXX over the phone to have the Dispute expedited and he assured me they would review my information with in XXXX XXXX hours. Not even XXXX mins later i receive an email saying my dispute has been completed. Yet again the same incorrect balance still reported. I then went ahead and let the company XXXX XXXX XXXX which is the creditor reporting the XXXX account know that the balance they are furnishing to the XXXX XXXX agencies is incorrect and needs to be updated immediately and i also sent the company a cease and desist letter to stop the collection efforts for a debt that had already been satisfied. The company responded back to me on XX/XX/2024 stating that they will no longer report mis information regarding the account in accordance with 16 CFR 313.4 because i am entitled to financial privacy. I then let the XXXX credit reporting agencies know the company XXXX has complied with my request and that the correct balance needs to be updated as paid off as agreed and requested that the balance be disputed again for the XXXX time. XXXX opened up a dispute and within XXXX hours the balance was still the same reporting negatively on my report. I called all XXXX agencies again to try and resolve this issue on XX/XX/2024 once again and opened a XXXX dispute with the company and even providing proof of the XXXX copy filed on my tax return showing that this debt has already been paid off. Pursuant to 16 CFR 433.2 on my Retail Installment Agreement : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. This has been grueling process and has taken a huge toll on my mental health. If the balance on this account is not reported correctly as closed : Paid XXXX  as agreed, i will be pursuing legal action in federal court for willful negligence of reporting false information under the Fair Credit Reporting Act and as well as getting the Internal Revenue Service XXXX XXXX XXXX XXXX Involved with this case.
Product: Checking or savings account

I Had Zelle For My XXXX XXXX  Account An Money was Stolen From Account I Contacted Them An They Never Fixed The Problem Or Anything So I Lost {$5000.00} That Led Me Not Able To Pay My Bills Which Ended Me Up In A Shelfter An I Have XXXX kids Nothing Had Been the Same For Us Since An Im A Single Father.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a complaint XX/XX/XXXX about my credit report and XXXX XXXX XXXX is reporting m

y personal information, I have never done business with them. Also, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission 2 XXXX XXXX XXXX to release my medical information. I am aware that HIPAA does allowed for limited information about me but anything more their XXXX XXXX XXXX is only to be revealed with the patients authorization therefore my request is to fold as follows. Validation of debt a HIPAA authorization. 1. Please provide breakdown and fees including any collection calls and medical charges from XXXX XXXX XXXX 2
. Provide a copy of my signature with the provider of service to release my medical information to you.

Please notify me when the above items have been deleted I am also requesting an updated copy of my credit report which should be sent to the address and the email listed in this report
Product: Debt collection

I am getting repeated calls from XXXX CBE Group trying to collect on a debt that I have disputed with XXXX XXXX XXXX when I canceled my account. 

The collector claims I owe {$340.00}, XXXX XXXX did not honor my {$150.00} credit to my account under NY court order. I returned the equipment to one of XXXX XXXX service center before the billing cycle for the remaining {$190.00} was due, yet they extended the cycle to include when I turned in the equipment. 

Repeatedly I tried to have this removed from my credit report as " Disputed '' but the bad debt keeps getting sold.
Product: Debt collection

I have talked to Conn 's several different times regarding our 3 accounts with them. I am in a Debt Program and these accounts could not be included. I worked with them to get the 3 accounts refinanced into 1 account to get payment lowered. We got that to what I thought was a final deal. I received the Promissory Note and Security Agreement signed and with a payment being dueXX/XX/2019. Now I called to make the payment and there was no such account set up but could see that it was being worked on. Well, its still being worked on. I now get 10 calls a day approx. and emails from the mitigation dept and since XXXX all of the accounts with Conns have gone on to hit my our credit and I might add, I had to put a down payment on all three accounts to do this and it was done. Now they are threating to charge off and I haven't even made 1 payment on this refinanced account. They tell me its going to be repaired and yet still waiting and still receiving marks on credit. Not sure what else to do. Please help me. Sorry it wouldn't allow the whole refinance document.