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

I PURCHASED A XXXX  IN XX/XX/XXXX. I HAVE HAD BILLING AND PAYMENT ISSUES SINCE THE FIRST PAYMENT FROM M & T BANK LOSING THE INITIAL FINANCIAL DOCUMENTS WITH BANK INFORMATION ENCLOSED, TO PAYMENTS NOT BEING APPLIED, TO NOT HAVING CORRECT INFORMATION, TO LYING ABOUT MY INSURANCE COMPANY FILING A TOTAL LOSS REPORT, AND MORE. 

I JUST RECEIVED A CALL TODAY, XX/XX/XXXX, STATING THAT MY XXXX AND XXXX PAYMENT WAS NOT MADE. MY DAUGHTER WAS AUTHORIZED TO SPEAK WITH THE REP, AS ALWAYS, ON XX/XX/XXXX AND WE DID A PAYMENT OVER THE PHONE BECAUSE THERE IS ALWAYS AN ISSUE WITH M & T BANK AND PROCESSING A PAYMENT. THE PAYMENT, MADE ON XX/XX/XXXX ( CHECK # XXXX ) WAS COMPLETED WITH A REP ON THE PHONE. IT CLEARED AND POSTED XX/XX/XXXX. AS OF TODAY ( XX/XX/XXXX ), A NEW REP STATED THAT SHE HAD TO TOGGLE INTO DIFFERENT SYSTEMS TO SEE WHAT HAPPENED WITH THE PAYMENT AS SHE SHOWS IT WAS REVERSED AS OF XX/XX/XXXX. NO PAYMENT HAS BEEN REVERSED IN OUR ACCOUNT. MY DAUGTHER ASKED HAS THIS BEEN REPORTED TO THE CREDIT BUREAUS AND XXXX STATED SHE DID NOT KNOW AND WE WOULD NEED TO CALL TO FIND OUT. WHAT A WASTE OF A FINANCIAL INSTITUTION. CAN'T GET THEIR BANKING STUFF TOGETHER AND MAKES IT HARD FOR THE CUSTOMER. IF THE XXXX  PLACE DIDN'T DO LOANS THRU THEM, I WOULD HAVE NOT GONE WITH M & T. THEIR STANDARDS ARE LOW AND THEY HAVE A LACK OF CUSTOMER SERVICE AND KNOWLEDGE. 

THE XXXX, THE REP ( XXXX ) STATED WAS REPORTED BY MY INSURANCE COMPANY AS A TOTAL LOSS. I HAVE A DOCUMENTED LETTER AND EMAIL FROM THE INSURANCE COMPANY NEVER RECEIVING ANY REPORTED LOSS ON OUR XXXX. THE XXXX  HAS NEVER BEEN IN AN ACCIDENT. XXXX DID NOT REPORT THIS AS STATED PER XXXX. ( SEE LETTER FROM XXXX XXXX M & T BANK NEEDS TO CORRECT THESE ERRORS TO NOT ONLY MY ACCOUNT, DUE TO THEIR LACK OF KNOWLEDGE AND PRACTICES, AND ALSO CORRECT MY CREDIT REPORT SHOULD THEY HAVE REPORTED NEGATIVELY. 

I WILL TAKE THIS TO THE NEWS ALSO AND MY DAUGTHER, XXXX XXXX, IS ALSO ALWAYS AUTHORIZED TO ASSIST ME WITH MY FINANCIAL MATTERS. 

AN ACH PAYMENT IS WHAT IT IS, AN ACH PAYMENT. WHY DOES IT MATTER WHOSE ACCOUNT THE PAYMENT COMES OUT OF. IF MY DAUGHTER WALKED INTO A BANK AND MADE A PAYMENT ON THE ACCOUNT WITH CASH, ARE YOU GOING TO REFUSE THE MONEY BECAUSE IT'S IN HER HANDS? THE LACK OF KNOWLEDGE COMING FROM THE REPRESENTATIVES MOUTHS IS UNDENIABLY RIDICULOUS.
Product: Money transfer, virtual currency, or money service

After finally just getting my account reopened through the intervening of the CFPB after Venmo accused me of submitting a fake ID as a verification document which is a crime by the way and an abhorrent accusation to make against a customer Venmos XXXX  team finally reopened my account. NOW I can not add any cards. I have tried to add every card I own. 
So I dont want to hear try another card or maybe its just that bank or maybe its that type of card or try a debit instead of a credit or try a debit instead of a credit or wait a few weeks and try again. Ive waited months. Its not fixing itself. 
You owe me big time for the absolute emotional turmoil this has caused me chasing you to get your XXXX  XXXX services to work for me. Its appalling how horrible you are. And PayPal was just as disgusting with my mother many years ago. No wonder youre associated. I wish so many people didnt use you then I wouldnt have to waste my time. 

Ive tried to add : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remove whatever block is on my account that wont let me add my cards. Remove the card that is on there that is expired that it will not let me remove. Again, you have made this absolute XXXX. Please stop making my life so XXXX difficult. I genuinely hate Venmo with every fiber of my being.
Product: Debt collection

I paid my debt ( vehicle tax trough credit but XXXX Garnished my pay check now company refused to return my money. They charge me double for money I dont owe
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporting act. The list of accounts below has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rigths.

15 U.S.C 1681 Section 604 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 instruction 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: Debt collection

Numerous complaints have been filed on the status of no original documents being furnished to either CRA or me the consumer. If you can not provide a wet signature which is what is needed to initiate contract between consumer and said creditor and your information doesnt reflect such verified information through internal records or method of verification. Furthermore PRA doesnt have ANY NMLSID to collect in this state. So debt collection practices arent covered under FDCPA. You have not provided any documents in any complaints therefore violating FCRA Section 809 ( b ) and FCRA section 623 ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXXXXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$7700.00} ), XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$430.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$490.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2300.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$470.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$500.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$540.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Product: Debt collection

I signed up for the service that the representative promised that I would have service in this area and we 're we live the service around here is very spotty and had dropped calls cause of that.this service is more geared toward the southern states as even people from your company have mentioned to me.I 've paid my fair share of this bill even though you did provide me the service I was promised.
Product: Checking or savings account

After getting no where with my auto insurance company I have decided to seek action with the consumer finance. My auto insurance apparently issued a check payable to me AND the repair shop. The check specifically states the word and. Come to find out the repair shop deposited the check without me knowing and with one signature and the bank ( Chase bank ) deposited the check in the excess amount of {$14000.00}. The bank acknowledged it was fraudulent and not allowable but was not willing to remedy the situation. I need help with this and demand the bank to fix this. The check needed to be endorsed by myself and the shop. I have a copy of the check for needed evidence. I need help.
Product: Credit card or prepaid card

XXXX XXXX XXXX charged me from {$30.00} to almost XXXX XXXX  monthly for 27 months beginning on XX/XX/XXXX and ending on XX/XX/XXXX. The issue has not been resolved despite contacting both XXXXXXXX XXXX XXXX  and capital one credit card company. Neither the XXXXXXXX XXXX XXXX  nor the capital one have offered a solution. The latest attempt to stop this unauthorized charge monthly by changing my capital one credit card account number resulted in the following written response : if you use your card to pay any recurring bills, your payments should continue to go through as scheduled and post to the new account number. To be safe we recommend monitoring your accounts to make sure your payments post as expected. Over the phone I was told that any variable charge that comes through will probably be honored despite the fact that I did not authorize this charge. Fraud, Unfair and probably illegal.
Product: Credit card or prepaid card

I have sent my documentation related to the compliance of capital one bank and they have also cleared the verification process. 
Yet, the problem have not been resolved & my account is still restricted. 
It's been over 20 days. 

This is not the service they should give to their clients & I think they are abusing the power not giving any rational reason whatsoever.
Product: Debt collection

XXXX XXXX XXXX , XXXX repeatedly call me on my cell phone, which is my work phone. When I say Hello, hello, no one is there!!! I repeatedly asked them to Validate this debt, which mentions XXXX and as I see from my credit report is quite old, but they keep sending me a letter saying they are requesting the appropriate documents. The last time they called, I took a photo of the call on my cell number. XXXX removed their entry from my credit report but XXXX is not willing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my personal information and opened a credit card at XXXX XXXX  and another credit card at ComenityCapital/IKEAVC  in my name. As soon as I found out in XX/XX/2023, I immediately called all three credit bureaus, as well as the Federal Trade Commission, to report the theft of my personal information and dispute these credit cards. After investigating, I received a report from XXXX stating that the disputes with XXXX XXXX and ComenityCapital were not changed as a result of their processing of my dispute. The companies that reported the information have certified that the information is accurate. This is a false statement. I have not received reports ( still waiting ) from the other credit bureaus and FTC yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from anytime fitness on XX/XX/2020 saying they were removing a collection amount XXXX {$260.00} XXXX from my file. I've disputed with XXXX  twice but as of today its still on my report and negatively affecting my credit score. Also in XXXX of 2020 I had over {$26000.00} in credit card debt. I've since paid it down to {$13000.00} but transunion has only raised my credits core 10 or so points? This is ridiculous. The only reason these credit reporting agencies leave negative stuff on your report is so you have to spend several hours getting it off, so you repeatedly have to keep coming back to their website and viewing all their advertisements again and again. Because this collection debt is still on my report I've not been able t ok get a loan or other credit cards during this uncertain time of covid. Why are these credit reporting allowed to have so much control over me and taking care of my family?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy and completeness of my consumer report that you have provided to me and other parties who have received this report. I believe that my consumer report is not in compliance with the laws set forth by the United States Code ( USC ) governing consumer reporting agencies.

Specifically, I believe that the information contained in my report is inaccurate, incomplete, and misleading. This inaccurate information is harming my ability to obtain credit, employment, and other important opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like yours are required to ensure that the information contained in consumer reports is accurate, complete, and up-to-date. The FCRA also requires that consumer reporting agencies investigate any disputes that are submitted by consumers like myself. 

I am requesting that you investigate the inaccurate information in my report and take steps to correct it. I am also requesting that you remove the accounts listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Thank you for your attention to this matter. I look forward to hearing back from you. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

First of all I am very glad to have your office which investigates the violations caused by big companies such as Toyota motor corporation which deceives millions of customers by selling defected cars as the results millions have been affected by the fraudulent tactic of dealers at care sales. 
I have purchased XXXX XXXX XXXX in one of the XXXX dealership XXXX XXXX Minnesota in XX/XX/2018. six days after I purchased the vehicle, I have found out that the van I bought has a big mechanical problems. it does not accelerate as it should, noisy engine, consume gas more than it should. I reached out to the dealers and addressed the safety issues the car had. they advised me to bring the car for inspection. They checked and told me that the car did not have any problems and you should drive it. I then picked up my car and immediately after two days the same problems happened with the vehicle, it does not accelerate in a busy highway which is very concerning. the drives from the back can hit me or able to involve in the accident due to the fact that the car does not accelerate faster even if given gas. I have addressed the issue for the second time and request the dealers to change this car for me with out trading options because it is only less than a week ( 6 days ) after purchase for {$27000.00}. they said we can not exchange the car with out trade and you have to trade. I informed them that I could may not get approved from the bank and please help me to exchange this vehicle as it was not operating well and is dangerous to drive on the road. I then called Toyota financial services who loans the car and talked about the dealership experience. They also told me to contact dealership for resolutions as I purchased car from them. I contacted again if they able to help me with car exchange not putting trade on the table because this is strange to have a car which has only XXXX miles and inspected by dealer and I should return this vehicle back. XXXX XXXX XXXX used car manger who could able to solve the issue said to me that we can not help you with exchange even though the car is defected and said to me that you are responsible for the car payment. I gave up and left the dealership and have been divining the defected vehicle which is a safety threat to me and my family as of today. Toyota financial services and car dears has denied my request ignored me when they realize that the care is not safely operable in the high way and they still insist that the car is safe which I do know is not safe to drive. I have therefore, paid {$27000.00} and not been happy with my car and have been very frustrated and concerned so much about safety of me and my family.
Product: Mortgage

Our Original Mortgage was purchased with XXXX XXXX Bank XXXX Georgia and later was sold to a third party mortgage management company by the name of Ocwen Loan Servicing , LLC . Ocwen collects our property taxes on our monthly dues and place them on a escrow account. At the end of the tax year, they are supposed to used that money from this escrow account to paid our property taxes. Ocwen has failed to paid our property taxes on time and we are receiving delinquent tax notice from the Tax Commissioner Office. We are also been fine by the tax commissioner office for not making the payment on time. Trying to resolve this matter with Ocwen leads to a costumer service call center phone line in the country of XXXX, were they reading a script from a computer screen, and blame the costumer for the problem. Ocwen official written letters confirmed that they are ; collecting the money in a escrow account, that they are legally bind to paid our taxes from the escrow account, that they are fully aware of the property taxes payment due date, as well as to who and where the payment should be addressed to. Ocwen tarnishing our credit score and records by paying our property taxes on time as specified in our original mortgage contract with XXXX XXXX Bank XXXX Georgia.
Product: Credit card or prepaid card

I`ve applied for a " Secured Card '' Credit Card service With the Wellsfargo Bank on XX/XX/XXXX ; It was explained to me by the banker on this occasion that this card will receive as a transfer from my checking account a amount of {$300.00} in 3 to 5 businesses day after I receive the card, but actually this happened the other way around, yesterday XX/XX/XXXX, the Bank charged me the {$300.00} already, I went to my mail box to check if the card has arrived and instead I got a letter from them telling me my information was still being verified, I called them and went to the branch to talk to the banker and I was told twice I got it wrong and that the process is charge first then send the card later, now, because they did that My account reached {$0.00} Today and I was left with nothing ; I asked them to cancel the card then and give my money back and I was told that this process would take 15 business day to reimburse me ; they also fail in confirming that the card was send, they only told me I " Should be good '' meaning I should receive the card in 5 Business Days because the money was already taken from me ; so long history short : they offered me a credit card charged me before I had it, won`t give back my money and I was left with a " Should be good '' answer.
Product: Credit card or prepaid card

On XX/XX/XXXX a charge of {$760.00} was fraudulently made on my USAA Bank credit card. I had not used this card since XXXX and did not realize that it had been used until I began receiving collection calls in XX/XX/XXXX. On XX/XX/XXXX I called USAA Bank, found out about the charge, and made it clear that this was a fraudulent transaction. I was told that the this would be taken care of. Nothing happened and collection calls and letters continued. I have called again a number of times, have spoken to about 15 agents over the course of approximately 5 hours. I have been told several times that the charge would be taken care of several times. As a result of the XX/XX/XXXX call there was a credit of {$790.00} applied to the account. However, this did not cover all of the interest and fees, and collection calls and letters have continued. On XX/XX/XXXX I sent a registered letter to USAA Bank in the hope that they would respond to a mailed dispute ( copy attached ). Again, nothing happened and I recently received a letter from USAA that they intend to send the account to a collection agency.
Product: Debt collection

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are  collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Product: Debt collection

LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX, SC XXXX Date : XXXX Amount : XXXX Account No. XXXX XXXX I file a complain against them because, this debt is not mine and it should be taken off by law if its not yours.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax data breach below in the attachments
Product: Credit card or prepaid card

On XX/XX/XXXX, I was first made aware that the XXXX XXXX XXXX XXXX ( XXXX XXXX ) charged XXXX separate penalty fees totalling approximately {$820.00} for previously cancelled reservations to my American Express ( AMEX ) account. I made the reservations with the XXXX XXXX via the AMEX Fine Hotels & Resorts ( web portal ) and the reservations were guaranteed with my AMEX card. I cancelled these reservations in XX/XX/XXXX, months before the scheduled dates of the stay, via the AMEX web portal. I received cancellation confirmations for each reservation from AMEX travel. I have uploaded copies of my cancellation confirmations with this correspondence. For reasons unknown, XXXX XXXX charged me non-cancellation penalty fees on XX/XX/XXXX and XX/XX/XXXX. I have been an AMEX customer for nearly 10 years, and It is my custom to pay my AMEX card to " {$0.00} '' each month before the end of the statement cycle. As such, each month AMEX reports my account to the credit bureaus with a XXXX balance. Due to the erroneous charges placed on my account by the XXXX XXXX, and accepted by AMEX, my account balance jumped from {$0.00} to over {$600.00} in a single credit reporting cycle. This had a catastrophic effect on my FICO score, I have included correspondence received from XXXX evidencing the damage that AMEX has done to my FICO score. My credit score was damaged due to the negligence or willful disregard of AMEX and/or XXXX XXXX. Moreover, this is the SECOND time this has happened. InXX/XX/XXXX, AMEX has accepted a penalty charge from the XXXX XXXX for a cancelled reservation and it took 5 months for AMEX to resolve the issue. There is clearly a systemic failure relating to AMEX, its web portal, or its relationship with XXXX XXXX, that is harming its customers. Between XX/XX/XXXX and the date of this complaint, I have contacted AMEX call times and talked to numerous AMEX representatives, each one attempting to shift the burden of resolving this issue to another person or another department. Finally, on XX/XX/XXXX 2017, I spoke to a customer service supervisor who identified himself as " XXXX. '' I was on the call for a total of 40 minutes, most of that time on hold, before I was able to speak to XXXX offered to credit {$450.00} to my account as redress for my damage and the tremendous inconvenience I have experienced. That amount would not even cover my annual fee. This is NOT a fair resolution for this completely avoidable, recurring error by AMEX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These four accounts are display the incorrect status and account balances on my credit profile. I have contacted the credit bureau several times. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX DEPT OF EDUCATION/XXXX  - XXXX XXXX XXXX XXXX - XXXX