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

The lease on my XXXX XXXX XXXX ended on XX/XX/XXXX. This was also the date of my last lease payment. I was exploring whether to buy out my lease or have a dealer lease buyout. Every time I would contact US Bank Leasing, the buyout amount would be different. Even times where the I'd talk to two different representatives on the same day ; the buyout amount would be different. After multiple phone calls and a lot of mixed results, I decided it would be easiest to just deal with a dealership buyout, even though this was costing me extra money ( US Bank Leasing likes to charge dealerships more than they do the consumer ). 

In order to move this process along faster, I paid off my lease on XX/XX/XXXX. However, as I later found out, US Bank Leasing would not apply my early payment until the XXXX and if I terminated before the XXXX, I would be charged an 'Early Termination Fee '. I then decided to wait to turn in my dealership buy out on XX/XX/XXXXXXXX XXXX XXXX They provided me with a lease buy out quote and applied this to my deal on a new vehicle. Upon signing documents, I then learned that the lease buy out through the dealership did not include sales tax, whereas my own personal buyout would include this amount. This would be another {$1500.00} lost. Since the deal was all but done, I decided to sign the deal and be done with US Bank Leasing. However, apparently this was still far too simple.

US Bank Leasing decided to remove another payment, that was not owed from my checking account for {$610.00}. I called them about getting this overpayment refunded, to which they told me they would submit a request for a cashier 's check be sent to me. This could take up to 7-10 business days to receive. After waiting 10+ business days, I called to check on the status of my refund check, to which I found out that they reversed the refund check because it was needed to satisfy my lease buy out. The lease buyout number they provided to the dealership INCLUDED my own personal overpayment so they would now need to use that money to satisfy my lease buy out. Essentially, allowing the dealership access to the refund on my account. No contact attempt was made on US Banks behalf to find out if this was acceptable, this refund amount was not provided to my dealership, US Bank Leasing just took it upon themselves to quote the dealership a lower buyout amount using my money.

After talking with three different representatives today, XX/XX/XXXXXXXX XXXX I'm told this is something that happens frequently. They just give their costumer 's money to dealerships and hose their customers. I asked them why a simple policy change to NEVER provide dealership a customer 's credit/refund would be so hard, to which I received no response. Now, I am left receiving no vehicle sales tax credit, paying US Bank Leasing more for my trade in, and they took it upon themselves to take my refund of {$610.00} and provide it to the dealership I traded my truck into. 

US Bank Leasing is a terrible company to do business with and as such, I will also be closing my checking and savings accounts with US Bank.
Product: Money transfer, virtual currency, or money service

In XX/XX/2014 my van was stolen with my checkbook inside. I filed a police report with XXXX XXXX Police Department. 
In XX/XX/2014 someone cashed a check for {$1000.00} at a Speedycash in Arizona. 
Speedycash sent it to collections. The collection agency is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX KS XXXX Phone XXXX I called Speedycash - they said it was my check and it went to collections. 
I called XXXX XXXX - they said to file a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frustrated to know that my credit history has been compromised and targeted with false and inaccurate information that i have not consented to. I will need these false items removed immediately!
Product: Student loan

I borrowed {$7000.00} to finish paying for a class I needed to finish my degree. I had to get a co-signer, my daughter. I have been paying three years and still owe XXXX on the loan. I am paying XXXX per mo. and yet get no principal applied on several of my payments all on time. 

I was told that I need to pay XXXX a mo. to finish paying off the loan in 10 years! This is ridiculous. I can not afford that type of payment. 
To begin with, I was XXXX from the XXXX XXXX and XXXX   after having several operations. This is when I returned to college at age of XXXX. I am now XXXX and work 5 days a week at the XXXX, but still struggle because of incurred debt and raising XXXX children. 
This navient bunch lied and are misapplying my payments and constantly change their story as far as my payments ... ..HELP!! 

XXXXXXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am trying to buy a home and get approved and raise my credit but my student loans did n't allow me to because they said I was XXXX days past due and I had no knowledge of my payments or whe I needed to pay and they tell me it wont be off my credit until XXXX to XXXX years and it 's not right its it 's unfair when I 'm trying to do right with my credit
Product: Mortgage

We have been working with XXXX Cell : XXXX DRE # XXXX NMLS # XXXX at XXXX XXXX. Since XX/XX/2019 three of my family members filled out a loan application to get a pre approval for a home loan. He has all our social security numbers and personal information. He has not given our pre approval letter yet for a home loan and is using his home internet to process it as he states in a email. He states today his internet is not working. He keeps coming with excuses. 
At first he told us we can only get pre approval letter for the price we want to buy a house for. He would not give us a letter tell us how much we qualify for. He ripping of first time buyers and stealing information. 
By law a pre approval letter is given within 1 to 3 days not two weeks with or without the property being identified. XXXX states The 3 day process starts once a property has been identified.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. In XX/XX/XXXX, after reviewing my consumer report, I discovered several accounts that were unfamiliar to me and not authorized by me. Approximately six months later, on XX/XX/XXXX, I filed an Identity Theft Police Report and submitted a complaint to the Federal Trade Commission ( FTC ) as directed by the consumer reporting agencies. Despite taking these steps, I am still dealing with this issue as of today. 
The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2, the law clearly states : ( a ) BLOCK 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Recently, Transunion reinserted an account with XXXX XXXX that had previously been removed a month ago. By doing so, they violated re-insertion laws under the FCRA. Specifically, they failed to notify me within five business days of reinserting the account, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Additionally, they did not provide the necessary certification of accuracy ( 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) ) and neglected to conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ). 
Furthermore, Transunion has violated the following consumer laws : ( 1 ) Permissible Purpose ( 15 U.S.C. 1681b ( 2 ) ) : The account was reinserted without verifying a permissible purpose. 
( 2 ) Block of Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Transunion failed to block the fraudulent account information, despite being provided with sufficient documentation. 
( 3 ) Civil Liability for Willful Noncompliance ( 15 U.S.C. 1681n ) : The willful failure to comply with FCRA provisions has subjected them to civil liability. 
( 4 ) Civil Liability for Negligent Noncompliance ( 15 U.S.C. 1681o ) : Negligent actions in handling my case further indicate noncompliance with the FCRA. 
( 5 ) Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The reinsertion of inaccurate information violates the obligation to maintain the highest level of accuracy. 
Transunions actions have caused significant harm to my creditworthiness and violated my rights as a consumer under federal law. I expect immediate corrective action to rectify these violations.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union 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 Navy Federal for similar practices where transactions settled with insufficient balances despite initial available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

This is XXXX XXXX I need to take away all my assets away from thief 's like XXXX XXXX, XXXX XXXX and whoever has control of my assets.I need immediate help, legal action must be taken.I need my attorney immediately.Also need to press fraud charges on the people in doubt. 
My contact number is XXXX
Product: Student loan

I submitted a XXXX  application in XX/XX/XXXX, I was told that I forgot to sign a page and need to submit that page. submitted page, never herard anything. I called several times and have waited more than XXXX hours to speak to someone and the disconnect the line. I recently logged into my account to see that I have a past due balance, when I was in forbearance till XX/XX/XXXX.
Product: Debt collection

I am writing to bring to your attention a distressing incident of identity fraud that has recently come to my notice, and to seek assistance in resolving the associated issues. Upon reviewing my credit report, I discovered unauthorized activities that have resulted in fraudulent debts being attributed to me without my knowledge or consent. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to request your support in addressing this matter. 

I have also checked that there are unknown addresses on my account that i did not have any cluse of. 

The fraudulent activities in question include debts totaling {$4300.00}, which have been falsely associated with my name. It is important to note that I did not initiate or authorize any of the transactions reflected on my credit report. This discovery has caused significant concern and distress, as it indicates a breach of my personal information and potential identity theft. 

I want to emphasize that I took immediate action upon discovering these discrepancies by filing a report with the Federal Trade Commission ( FTC ) for fraud. I have also initiated the necessary steps to dispute the fraudulent accounts and transactions with the relevant financial institutions and credit reporting agencies. However, I believe that the involvement of the CFPB is essential in ensuring a thorough investigation and resolution of this matter. 

Enclosed with this letter are copies of my credit report highlighting the fraudulent debts, as well as documentation related to the report filed with the FTC. I kindly request the CFPB 's assistance in investigating this case of identity fraud and taking appropriate actions to rectify the inaccuracies on my credit report. 

Additionally, I would appreciate any guidance or resources that the CFPB can provide to help me navigate the process of resolving this issue and safeguarding my personal information against future incidents of fraud. Your expertise and support in this matter are invaluable, and I trust that the CFPB will take prompt and decisive action to address my concerns. 

Thank you for your attention to this urgent matter. I look forward to your assistance and cooperation in resolving this distressing situation.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX and XXXX ( the Scammers ) DBA : XXXX XXXX XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing XXXX services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 someone who lives in XXXX XXXX CA used my identity to acquire credit cards with a limit of {$19000.00} from JP Morgan Chase. I do not have an account with JP Morgan Chase. I received notification through ProtectMyID. I contacted Chase to let them know it was identity theft and that I actually live in XXXX XXXX CA, 75 miles away. 

i also received notification from XXXX XXXX that the same person took out a personal loan in my name. Once we went over my personal data they realized it was fraudulent and closed it. They also sent me an XXXX report showing my complete credit history. It included the address of the fraudster as one of my addresses. The report also said re the Chase account " Account closed at credit grantor 's request ''. 

I contacted Chase ( XXXX and XXXX ). After months of getting the runaround I finally got the email address for their fraud recovery unit and sent them photos of the pages of the XXXX report on XX/XX/XXXX, XXXX i have sent them inquiries since but get an automated reply that they are investigating the claim. Not sure why it would be so difficult since I gave them all the information, including the XXXX XXXX address ( which I can not delete from my credit report until JP Morgan clears this up ) XXXX has acknowledged the fraud and has maintained my credit score at XXXX the other two agencies have it at XXXX due to the JP Morgan problem.
Product: Student loan

I was paying XXXX a month & they up to XXXX a month now & I cant afford that much bc its just me working full time my husband isn't working & I wanted to lower it to back XXXX or low as XXXX a month please & thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment on XXXX of {$320.00}. There was already a post dated payment for XXXX that was scheduled on XXXX XXXX via the phone. My total credit that the account holds is only {$500.00}. After making the payment of {$320.00} the other payment processed the next day and later was returned. Then my credit card account went into revoke status on XXXX and closed status. I received a letter stating my account status. I immediately called to fix the problem and the representative told me that it will be taking care of and removed from that status. I then assumed it was done by the time I had made my next payment. I made another payment of {$100.00} on XXXX. I then spoke with the credit card company again on XXXX because I reviewed my statement for XXXX and it showed that I have no available credit, but I already had paid XXXX + {$100.00} and my account reflected an available credit via online. The representative told me on the call that my account is in revoke status, but note I already called between the dates of XXXX to address this situation after I received the letter and the representative told me it would be taken care of, whatever that meant. Now that my account is fixed, which it could have been done when I called between XXXX, the manager stated that my account already have been reported to the credit bureaus as it has been closed on XXXX. But due to the lack of training the representative I spoke with between XXXX my account is being reported in error because of that reason. On XXXX me and the manager fixed my account.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the date below : 30 days late as of XX/XX/2018, 60 days late as of XX/XX/2018, and 90 days late as of XX/XX/2018. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Vehicle loan or lease

So I recently purchased a vehicle with XXXX XXXX. When purchasing the vehicle I was lied to about the loan and final purchase price. I am currently paying at the end of my loan double the amount of the sticker price and my loan has only a XXXX percent interest rate. So only after purchasing the car did I find out how much Im actually paying for the vehicle. I feel like I was completely taken advantage of. I have fair credit and I also put down a substantial amount on the vehicle. In my excitement I think that they took advantage of that and knew that they could give me a predatory loan. Even the head salesman said they pulled some strings to get me the loan. Im currently paying XXXX $ every XXXX weeks on an XXXX year loan and Im very upset because I love the vehicle but feel like I was taken advantage of and not explained the loan in full detail. Please help me in this matter and maybe other people who have been taken advantage of. Thanks sincerely XXXX XXXX
Product: Student loan

paid off 100 % in XXXX XXXXXXXX can't charge interest on no debt.
Product: Debt collection

Portfolio Recover Services is trying to collect on a debt from XX/XX/2014 XXXX XXXX XXXX ). They are sending me communication in the mail and calling my phone to get me to make payments on such old debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING THE WRONG PAY OFF AMOUNT AND NEEDS TO GET DELETED
Product: Debt collection

I have received a letter from Mnet Financial ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) attempting to collect a debt that I am disputing. However the letter is in violation of Section 809 of the FDCPA. The letter did not make these XXXX ( XXXX ) required statements : -A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. 
- A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 
- A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit card or prepaid card

Good afternoon, I have a Barclay credit card which I have not used in several months. I called today to cancel it and because it was within 60 days of the {$89.00} annual fee being charged I need to pay the fee in order to close the card. This is the kind of nuisance fee the bureau states it is trying to protect consumers from. I have an XXXX credit score and have perfect repayment on the account. My account was profitable for the issuer due to interchange fees made due to the heavy usage of the card. 
I think it's ridiculous to make someone pay a fee for a card they are closing. The only thing they were willing to do was file a complaint for me. 
You may be unable to assist me, however I think this kind of fee structure needs to be removed in order to protect consumers moving forward. Essentially they are requesting an annual fee on a card I'm closing and will receive no benefit from. The annual fee was waived for the first year so I consider this a fee for the coming year. 
Thank you
Product: Vehicle loan or lease

On XX/XX/XXXX I traded in my XXXX XXXXXXXX XXXX at XXXX XXXX on a XXXX XXXX XXXX. I agreed prior to signing to {$1300.00} for a down payment. The finance person did not go over a break down of charges before I left. 5 days later I get a voicemail from the finance person stating I owed {$1200.00} on the down payment. I did not trust interacting with this company verbally any longer and so once I was able, I emailed the sales manager detailing what was agreed upon during my transaction, that I paid the {$1300.00} on my card and I did not agree to another {$1200.00} at a later date. Later that evening after banks were already closed they proceeded to charge my debit card for {$1200.00} without my consent, resulting in my checking account being overdrawn. In the morning I will be issuing a stop payment on the amount and I have canceled my current debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

First I must begin with my information was part of the massive XXXX data leak back in XXXX. I had a pretty rough time with credit years ago, but never really cared enough to check my credit at all until recently. 
My credit report has been mixed up and merged with another persons and instead of immediately deleting the fraudulent and incorrect information, Experian keeps opening new disputes for me when I call and then updating the personal information to match mine instead! I didnt want a dispute! I wanted the information deleted. 

Starting towards the beginning of XX/XX/XXXX I began calling and discussing with Experian a couple of accounts/inquiries I didnt recognize as mine and wanted deleted. They instead opened a dispute for me, updated those accounts to link them to me and kept them on my profile when the dispute was completed. 

Then I had an entire bulk of additional accounts that were also in someone elses name added to my credit on top of that. Once again, I called and spoke with an associate at Experian and they insisted they could erase information immediately even after I explained what happened before. They insisted that they would code everything right for deletion. So they opened another dispute for me and then the information was, once again, just updated and remained on my report. 

These accounts were completely in someone elses name, address and SS # however Experian not only left them on my account. They updated the names, addresses and SS # during their disputes to match my information! 

Thats completely unethical and illegal in my personal opinion. All the bureaus pool information together from these consumer reporting agencies, thatre just random third parties that have no real way of validation. Whos going to hold the 3 bureaus or all the consumer reporting agencies accountable for these mistakes or fine them for their wrongdoings? Absolutely no one. They have no fear in putting anything they want on anyones credit report, regardless of the outcome for their financial situation. 

I request IMMEDIATE removal or verification of all accounts in question and have lost faith completely all the credit reporting and consumer reporting bureaus for reporting false or incorrect information so freely.