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

On XX/XX/XXXX I purchased the XXXX XXXX XXXX at XXXXXXXX XXXX  in XXXX MD. It is financed through Credit Acceptance Corporation. The purchase price was roughly {$18000.00}. 10 months later, as in today, XX/XX/XXXX, the vehicle price has almost doubled. I know owe over {$32000.00} on this vehicle. 

After much research, there are 3 recalls on these cars, as well. Specifically, my car had a recall on the airbags. I no longer feel safe driving this vehicle. I feel like I am going to be stuck in this vehicle for life and I feel as though Credit Acceptance practices predatory lending especially to the impoverished and uneducated. Modern day snake oil salesmen/corporation/company . 

Reading all the consumer complaints, etc. I feel as though I've been sentenced to a death loan. Meaning I will be paying this vehicle off until I die, or I will die in this vehicle because of the recall. This is completely unfair and as a consumer the amount of information presented to " just sign '' is overwhelming. 

Credit Acceptance is a death trap. Do NOT finance with them.
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 are 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 initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply onXX/XX/XXXX and I've yet to get any feedback on my investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove ( personal information, address, accounts name & account number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this in my previous Complaint # & I am including it again : XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX ; XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$760.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$20000.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , FL XXXX ; XXXX XXXX XXXX, XXXX XXXX , AR XXXX ; XXXX XXXX XXXX, XXXX XXXX , AR XXXX ; XXXX XXXX XXXX XXXX , XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$730.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$760.00} ; XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$20000.00} ; XXXX  XXXX Open Date XX/XX/XXXX High Balance {$15000.00} ; Us Dept Of Ed/XXXX XXXX Open Date XX/XX/XXXX High Balance {$12000.00} ; XXXX XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX Current Balance {$860.00} ; XXXX XXXX XXXX XXXX Current Balance {$3800.00} ; XXXX XXXX XXXX XXXX Current Balance {$2400.00} ; XXXX XXXX XXXX XXXX Current Balance {$730.00} ; XXXX XXXX XXXX XXXX Current Balance {$1500.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$760.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$20000.00} ; Us Dept Of Ed/XXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Current Balance {$5300.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX .
Product: Mortgage

My home is in foreclosure, no date of sale yet. On XX/XX/23 I submitted a payment of {$8500.00}, which is what I thought the amount of missed payments was at that time. The check was not cashed. On XX/XX/23 I contacted Chase to ask why the check was not cashed. I was told the check was not in the correct amount. I was told Chase would not accept a " partial payment '' and I was also told that there were now fees and costs of {$19000.00} in addition to some other fees that would all have to be paid in additon to the missed mortgage payments in order to bring mortgage out of foreclosure. I asked for verification of these these fees, and none were given. I also asked if paying the sum of the missed payments would be satisfactory to bring the loan out of foreclosure, I was told no. I told them I did not beleive that they could require me to pay almost $ XXXX in attorney fees and costs and not accept my payment of just the total missed payments. They said that I could order a reinstatement amount, but I would have to provide them with the date the payment would be made and that the reinstatment amount they provide would include all the fees and costs and would not provide an explanation or verification of them. 

On XX/XX/23, separate of my conversation with Chase, I received a standard email from Chase saying that the amount due on the loan is {$9000.00}, due on XX/XX/23. 

On XX/XX/23 I sent an email to XXXX XXXX XXXX XXXX, the company trying to collect the debt on behalf of Chase. My intitial email requested a breaddown of fees and costs and asked what the specific amount that had to be paid to bring the loan out of foreclosure was. They responded same day saying " hello team, see below '', which my email was below. I heard nothing back after that. I sent a follow up email on XX/XX/23, and on XX/XX/23, I got a response that my email was forwarded to the reinstatement team for processing, and that takes XXXX days. 

I want to know specficially the following : XXXX. What is the amount of money I must pay to bring loan out of foreclosure? 
XXXX. If that amount is more than just the missed payments themselves, what fees and costs can they legally charge. 
XXXX. Are the fees I am being charged legal, excessive, or valid.
Product: Student loan

My loans are serviced through Nelnet, and I submitted a payment that should have gone through on XX/XX/23, but it finally processed XX/XX/23, with the interest still being charged on the original loan balance for those four days before the payment ( basically, I'm being charged more on interest than I should ).
Product: Debt collection

Credit Collection Services is collecting a debt on behalf of XXXX XXXX XXXX XXXX that is not owed. I notified XXXX that I had found a more suitable policy and to terminate the existing policy with them. I was assured by the agent that the policy was terminated and no further premiums were due. I took their word for it. Come to find out the policy was not appropriately terminated as requested and/or I was misled by the agent. Please remove from XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received a copy of my credit report from Experian Credit Reporting Agency. After a quick review I noticed they had an account from XXXX XXXX showing as a collection account with a balance owing of {$900.00}. That is completely in accurate. That account was paid off and has been completely closed out. I reviewed my credit reports from XXXX and XXXX and they both show that the XXXX account has a XXXX  balance, and it has been closed out and was never in collections. I also spoke with XXXX directly the day I got my Experian Credit Report, and they confirmed that my account has been closed out and it has a XXXX balance and was never in collections. They also told me that they are required to notify their clients via mail and email of possible collection action if they don't get paid by a certain date. I replied back saying that's what I thought too. I told them you guys never sent me anything via mail or email threatening me with any type of collection action. They said we didn't need to your account never reached that level. I said then why is Experian showing it as a collection account with a balance of {$900.00} owed and XXXX and XXXX are showing it as a closed account with a XXXX balance? XXXX said they have no idea. We reported it to the credit reporting agencies as closed with a XXXX balance. Our system shows your account was never in collections and we never sent anything out to you threatening you with that type of action. As far as the credit reporting agencies go, it sounds like XXXX and XXXX are reporting our information correctly and Experian isn't.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally consumer rights to privacy and confidentiality under USC 1681. 

ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX  ACCT # XXXX 15 U.S.C 1681 section 602a states i have the right to privacy 15 U.S.C 1681 Section 604a 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 if the person knows or has reasonable cause that the information is inaccurate.
Product: Mortgage

Freedom Mortgage sent me a letter dated XX/XX/XXXX notifying me that due to flood map revision 's issued by FEMA that my property is now located in a Special Flood Hazard Area. The letter stated they must receive proof of sufficient flood coverage within 45 days of this letter. I purchased Flood insurance XX/XX/scrub>/2024. My agent sent a copy of the policy to Freedom Mortgage that day. I even contacted the XXXX to make sure they received it which they did. I later find out that Freedom Mortgage ended up purchasing a special hazard policy that started on XXXX XXXX XXXX in the amount of {$420.00}. I contacted them several times by phone to try to get this charge removed explaining to them that I did everything there letter stated and purchased a policy within the 45 day period. I explained to them that they are violating the Code of Federal Regulation that gives me 45 days after notification to purchase insurance and they still refused to remove the charge.
Product: Checking or savings account

On XX/XX/XXXX I called Chase regarding a fraudulent charge on my account they immediately suspended my mobile and internet access. After my internet access was reinstated I noticed that charges were still pending and that I wanted them canceled they refused. I spoke to faith in the fraud department she hung up on me I called back and spoke to her Supervisor XXXX who directed me to another department i then spoke to XXXX who connected me to XXXX who also hung up on me. I would like to know why is a charge showing as pending and can not be reversed. Why is the FDIC not extended to customers of the bank. They take our money but yet when we have a problem they treat us like garbage and wont even try to assist us.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent Inquiries on my credit report and to report a case of identity theft. Upon reviewing my credit report, I noticed an Inquiries that I did not authorize or initiate. which I believe to be the result of identity theft. 
i did I authorize any request for a credit report from them. This Inquiries was made without my permission, and I am concerned that someone may have used my personal information fraudulently to attempt to open credit in my name. And i have been a victim of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

As a result of health conditions ( approx. X/XX/16 ), I was hospitalized and placed in a skilled XXXX facility. Reverse Mortgage Solutions views this as a violation of the vacancy clause and has reposed my home. When I visited my home recently, I saw a sign stating that my home was listed for sale.
Product: Student loan

I am submitting this complaint due to an unauthorized access and potential data breach involving my federal student loan information. A third-party entity known as DOGE ( Department of Government Efficiency ), which is not a legitimate government agency, reportedly accessed a system containing sensitive borrower data, including personal and financial information.

This breach appears to have been facilitated who allegedly gained unauthorized access to federal databases containing my and other borrowers loan details. I am deeply concerned about how this access occurred, whether my personal information has been compromised, and what measures are being taken to secure my data. 

Key details : The unauthorized access reportedly occurred in XXXXXXXX XXXX 

I have not received any official notification regarding the security of my personal data. 
I am concerned that my information may have been accessed or misused without my consent.

I am requesting an investigation into this breach and whether it has impacted my loan status, repayment terms, or financial security. 

Actions taken : I have attempted to contact my loan servicer but have not received clarity regarding this situation. 
I am monitoring my credit and student loan accounts for any unauthorized changes. 
I am filing this complaint to ensure accountability and to request confirmation that my data remains secure. 
I request that the CFPB investigate this matter, verify the extent of the breach, and hold responsible parties accountable for any misuse of borrower data. Additionally, I would like confirmation of whether my personal loan information was accessed and what corrective measures are being taken.
Product: Debt collection

I paid receivables performance management for a XXXX debt owed. Original debtor was XXXX. The debt was paid years ago and I have statements proving so, however, they have reopened the debt and placed it for collections on my XXXX credit report.
Product: Checking or savings account

I am writing to file complaint against Navy Federal Credit 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 initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

15 U.S. Code $ 1681c-2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

The balance of my Citibank account is currently not accurate. I have noticed that when there are pending transactions, they are being deducted from my available balance at the time of the transaction. However, these pending transactions are then deducted again from my subsequent deposits. Despite contacting Citibank and being informed that it would be fixed by the following morning, three days have passed and my account balance is still incorrect. Furthermore, I have observed that pending transactions are being posted a week later than their actual transaction dates.

This is not the first time I have experienced such issues with my Citibank account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXXXXXX XXXX Balance : {$1000.00}
Product: Money transfer, virtual currency, or money service

Zelle did not provide me sufficient information to conduct a transaction and lost money during the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May concern a few issues with the reporting. I have 2 names on my reported file the 2nd name XXXX XXXX XXXX is in accurate and was told it would be removed over a year ago but is still showing up. 

Employment info they were suppose to add the company XXXX based out of XXXX XXXX NY. It's been years and that still has not been updated. 

I also have a problem with 2 Hard pulls I am looking to have removed XXXX XXXX said they would remove and they are still showing up on my file report the dates are XX/XX/XXXX & XX/XX/XXXX. I am unsure if these were suppose to be soft pulls or what Issue was as it's been so long. I had spoke to XXXX XXXX in early XXXX as to why these were still on my file they basically said to dispute the hard pulls if I did not authorize any hard pulls to be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is regarding XXXX XXXX XXXX. They placed an unauthorized inquiry on my XXXX and Experian credit reports on XX/XX/2020, and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) 06 & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX there was a barrage of ads on the radio for XXXX. I was working a dead end job for a large cable company and found the allure of making much more money doing similar and more advanced work too compelling to turn down. I went to the school and got talked into a XXXX commitment with the promise of training, and lifetime job placement. Fast forward 6 months and before I even finished classes they were going bankrupt. There was a lawsuit in many states, handled by the XXXX XXXX  that demanded they pay the money back, in response they disappeared and we were left holding the debt with half of our education and none of our job placement. 

All of this to say, I reached out to Sallie Mae about this and they basically told me tough cookie. I defaulted on the loan in XX/XX/XXXX and have never looked back. In XX/XX/XXXX they sold the debt to Navient. I have never made payment to this company, they have used aggressive tactics to try and get the money back, and even though there is a charge off issued on my credit they report me as delinquent every month. This is costing me money, and opportunities. I have disputed and called and done everything I can think to do, and its like trying to push over a brick wall getting any answers. Its time I moved on and they did too. Please help.