23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue regarding a credit inquiry that was conducted without my explicit consent during my vehicle purchase experience at XXXX XXXX XXXX XXXX in XX/XX/year>. 

It has come to my attention that XXXX XXXX XXXX XXXX, in conjunction with Fifth Third Bank, submitted a hard inquiry on my behalf to Fifth Third Bank without obtaining my express permission. As this action was taken without my consent, it has resulted in an unauthorized entry on my credit report. 

I must emphasize that I did not authorize either XXXX XXXX XXXX XXXXXXXX or Fifth Third Bank to conduct any credit inquiries on my behalf. Consequently, I kindly request that immediate action be taken to rectify this situation by having the unauthorized inquiry promptly removed from my credit report. 

I firmly believe that rectifying this issue by removing the unauthorized inquiry from my credit report is the only acceptable resolution to this grievance. I urge both parties involved to take this matter seriously and to cooperate fully in resolving it expediently. 

I appreciate your prompt attention to this matter and expect a timely response regarding the actions being taken to address this issue.
Product: Vehicle loan or lease

My husband and I financed a car with Credit Acceptance Corp and we believe that we were lead into a misleading loan. We are paying 22.99 % percent, {$390.00} a month for a used XXXX XXXX XXXX that at the time had XXXX miles. When we brought it at the dealership we remember it saying {$9900.00}. We put down {$1000.00} and we still have to pay {$390.00} for 51 payments. After reading complaint after complaint regarding Credit Acceptance from its consumers as well as seeing that they have been sued by Mississippi and had to pay for their deceptive practices and also with New York Attorney General and CFPB for misleading consumers into loans they could not afford by practicing churning and deceptive loans. We also believe that we were wronged. Our loan is 51 months, and the interest has made the car over {$4600.00} dollars more than the value of the car {$4400.00}. We have already paid {$11000.00} which is more than the cost of the price on the car {$9900.00}. We feel misled putting down {$1000.00} still having to pay {$20000.00} for 51 payments. And how a car that is {$4400.00} blue book value ended up being financed with a total cost {$21000.00} and We are stuck with this loan for a long time. I always thought this loan was confusing and complex with contracts hidden inside of the contract with a financed charge for each contract XXXX XXXX which is a warranty contract for {$1600.00} with a term of 24 months and XXXX XXXX {$1100.00} for 51 months are two contracts hidden within a contract which makes this a complex contract that can not be understood by the common consumer. It took us years to understand our contract along and we still dont fully understand it but we know we have been misled. But it seems like my Loan has barely gone down even we have paid {$11000.00} almost 3 times the actual value of the car. I reached out to the New York Attorneys office who is currently suing Credit Acceptance Corporation along with the Consumer Financial Protection Bureau. I have complained several times without a real resolution and fear that Credit Acceptance Corporation will not really investigate our case but just throw out what we are saying just like they have dismissed us in the past. We would like someone else to reevaluate this loan. Credit Acceptance Corporation has destroyed our credit and we are currently unable to get a home for our family because of it.
Product: Checking or savings account

I bank with chime bank and they wont give me my money when someone has hacked my account and charges were from XXXX XXXX, Texas. They are saying its not fraud at all. 

I got an email saying at XXXX that my ATM pin was changed. I was at here is proof with my time card. Then at XXXX I got a text saying my card was enrolled in XXXX XXXX. If wasnt me and told me to call you guys! Which I did immediately. At XXXX I got email saying we notice a new login into your account. On the same day XX/XX/XXXX I got a call at XXXX and XXXX and XXXX didnt answer the call. Then at XXXX I got a text message from the same number asking about a XXXX XXXX for {$320.00} and I replied to no and told me to change my password to XXXX. I dont understand why my getting denied on these transactions when we can clear see this was a charge from XXXX XXXX Texas for XXXX XXXX 

XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : CAPITAL ONE || Account # : XXXX
Product: Credit reporting or other personal consumer reports

I've had a credit freeze with all three credit bureaus for years. I recently had to do a temporary unfreeze with Experian. In the past this was simple. However, this time I had to create an account with them and prove some personal information. I reluctantly did so because I had no other choice. 

Now I get constant emails from them including trying to sell me things, and stuff like telling me that my credit balance has changed. Of course it's changed. I pay monthly. Everyone 's balance changes monthly. I don't need that. It doesn't even say " your balance has changed ''. It says " you have a new credit alert '', like some sort of slimy business tactic. You know it's wrong, I know it's wrong, and they know it's wrong, but someone how they're able to get away with it. 

There is no option to unsubscribe from these emails. Believe me, I've checked, but there is no " unsubscribe '' option at the bottom. I tried to log in manually to see if there was an option to opt out from there, but it solicited even more information from me. I do not want a business relationship with this company. I only deal with them because some power that be decided they got to have my financial information. I want them to stop, and I can't without giving them even more information.
Product: Debt collection

I have asked LVNV FUNDING LLC. multiple times to provide me with validation of debt for this alleged account. They have failed to respond to me or provide me with anything that I requested.
Product: Checking or savings account

On Saturday morning, around XXXX XXXX ( I remember this because she had clients in her office before me and the wait was over 30 minutes, so I went to the Farmers Market and came back ), of XX/XX/XXXX, I opened a Checking account in person at the Chase Bank in XXXX XXXX XXXX, WI. I wrote check XXXX for {$100.00} as my initial deposit. I worked with banker XXXX XXXX XXXX ( phone XXXX ). When I looked online on Sunday, XX/XX/XXXX at my account to confirm my direct deposit from my work paycheck had been deposited, my account balance is {$0.00}. I called Chase corporate and they explained I would need to work directly with the branch. Monday morning, I spoke with XXXX ( the manager according to XXXX ) and she said she would look into it and call me back later on the same day. I had not received a call as of XXXX XXXX, so I called and spoke to XXXX XXXX. She said they could not find any deposit in my account. I explained their rule is that you have to have a minimum deposit of at least {$25.00} to open an account. I sent her my cancelled check ( also attached ), but she said she was not sure what they could do, if anything, to help and they would try their best. I still have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a foreclosure with XXXX XXXX 4 years ago and they continue to report it as a missed payment every month even though the house was sold 4 years ago so on my credit report it looks as though I 'm still missing payments and in arrears
Product: Mortgage

I was working with a mortgage company on getting a mortgage loan for a new construction. They knew the terms and conditions of the loan for months. I agreed to getting an appraisal of the land for {$590.00} before closing on the loan under the impression that everything was okay. The day before closing, I was informed that they could no longer do the loan. They will not refund me my {$590.00} back.
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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX CO 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 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 XXXX18 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 XXXX 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

Collection Company attempting to collect a debt that is not mine, That's Identity Theft and Fraud.

Collection Company They co

mmitted more than 1 violation, 15 U.S. Code Sec 1692g Validation of debts, They didn't provide me with the 5 things that constitute to validating the debt and even that's not validation because if they send me that, It is an allegation unless I agree.15 U.S. Code Sec 1692i ( a ) and ( b ) and I can keep counting on violations.

Each of credit reporting agencies has a different amount of the alleged debt on my report, ( misleading information ) And Collection company has a different amount as well {$950.00} Interest due {$130.00} Pursuant of 15 U.S. Code 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Also they sent me a letter refusing to investigate the account.

I will invoice them for each violation ( illegal activity ) If they don't take care of this matter.

I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). I need them to : Provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 3 An Audit trail Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in my state. Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA I have never give XXXX, XXXX, XXXX a written consent ( 15 U.S.C Sec 1681b ( a ) 2 ) to furnish anything in my credit report agency, specially a alleged debt that is not mine.

No consent is Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carmax admitted to loosing my contact there for I was not in the system and couldnt pay my car note for 6months after purchasing and they are trying to hole that against me. 

I started paying my car note on time once I was in the system. 

They are trying to get me to pay for my care note twice in one month when that wouldve never been the case if they didnt loose the contract and failed to respond to me for months at a time They want ( {$1200.00} ) for one months payment when my car note is half of that payment for one month They are holding their mistake on me, they are reporting 9 late payments on my car and tanking my credit,
Product: Student loan

I requested a buy back on XXXX PSLF reconsideration case number XXXX and it has not been processed even though it has been more than 45 business days.
Product: Credit reporting or other personal consumer reports

Request for Correction of Credit Report Inaccuracy Dear Equifax, I am writing to bring to your attention an inaccuracy on my credit report that requires immediate correction. Upon reviewing my credit report, I noticed that my credit history appears to be relatively new, with a reported credit age of 3 years and 5 months. However, this information is incorrect as my oldest account dates back 8 years and 9 months. 

It is crucial that my credit report accurately reflects my credit history, as inaccuracies can have significant implications on my financial well-being. Therefore, I kindly request that you update my credit report to reflect the correct information regarding the age of my credit accounts. 

I have enclosed documentation supporting the accurate age of my oldest account for your reference. I trust that you will promptly investigate this matter and make the necessary corrections to ensure the accuracy of my credit report. 

Thank you for your attention to this matter. I look forward to receiving confirmation once the necessary updates have been made. 

Sincerely, XXXX XXXX
Product: Debt collection

I was a member of XXXX XXXX, XXXX, NY. When I joined the XXXX XXXX, In XXXX XXXX, I informed XXXX of my XXXX and asked to terminate contract. My mailing address was in NY, so I did not receive anything of the debt until XXXX XXXX. I received a letter from the gym stating owing them debt dated XXXX XXXX. I contacted the Gym, and they directed me to First Credit Services debt collection. I contacted First Credit, and spoke to XXXX XXXX. He told me that I owed them {$430.00}, which was considerably higher than the amount the Gym claimed I owed. I have not received any written notice of the debt from First Credit Services, and I gave them an updated address. I have sent a letter requesting a validation of the debt, but I have not received anything.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 13,580 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I identified multiple billing errors. The reported late payments are inconsistent with my regular payment history.
Product: Money transfer, virtual currency, or money service

Transferred {$5000.00} to my coinbase account. They refuse me access to my account and refuse to allow any communication to someone in charge. Lower level employees tell me my issue has been escalated to the next level and resolution is coming. It has been over 6 weeks now and I am still unable to get answers as to where my funds are. I am still unable to communicate with anyone having knowledge of the issue or how to resolve it. Coinbase 's actions is simply stealing money from its customers. In the meantime the market has been extremely volatile and I have been losing value on my account.I have absolutely no control of my account and I am unable to withdraw the funds.
Product: Mortgage

XX/XX/XXXX I received a " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' for XXXX XXXX XXXX due of {$6400.00}. 

At which point I began calling and spending endless hours waiting to speak with customer service at Gregory Funding. 

My mortgage payments including escrow had been current for over 10 years. However in XXXX, XXXX I began withholding my escrow from my payment as I was concerned they would never correct their errors. I requested they stop holding my escrow immediately in correspondence dated XX/XX/XXXX. 

Gregory Funding responded to my correspondence of XX/XX/XXXX on XX/XX/XXXX alleging they sent my tax payment to XXXX XXXX on XX/XX/XXXX however this was never applied to my account. They claim they sent another check on XX/XX/XXXX and are asking why the check was never posted. They are still currently working with XXXX XXXX to get late fees and penalties assessed waived. 

This note also notified me they have applied fees to my account for the 3 months I have withheld my escrow payments and denied my request to stop collecting these funds. 

During my research I discovered many complaints online about Gregory Funding not paying escrowed taxes and many consumers actually having liens placed on their properties. 

This has been extremely frustrating and time consuming thank you for your assistance with this matter.
Product: Checking or savings account

MY ACCOUNT WAS CLOSED BY CHIME XXXX XXXX I WAS ADVISED TO SEND DOCUMENTATION TO BE FURTHERED ASSISTED IN RETRIEVING MY FUNDS FROM THAT CLOSED ACCOUNT ( I SENT EVERYTHING THEY ASKED { FULLY IN COMPLIANCE WITH A CHIME MEMBERS GUIDELINES } I HAVE BEEN IGNORED AND I HAVE RECEIVED NO EXPLANATION OR RESOLUTION FOR ME OBTAINING MY FUNDS I HAVE MADE MANY DESPERATE CALLS FOR HELP NO ONE HAS DONE ABSOLUTELY ANYTHING TO HELP MY SITUATION MY ACCOUNT CONTAINS ( {$1500.00} ) OF MY HARD EARN MONEY AND I WANT ACCESS TO IT IMMEDIATELY I AM GETTING ADVICE FROM LAWYERS AND MAKING POLICE REPORTS BECAUSE CHIME IS TRYING TO STEAL MY MONEY I AM FACING EVICTION WITH A SICK CHILD ( I WILL HAVE A NEWS STATION TO COVER MY STORY ) I HAVE EXPLAINED THAT TO CHIME MEMBER SERVICES AND I STILL RECEIVED NO SENSE OF URGENCY OF CARE FOR MY FAMILY CHIME MEMBER SERVICES HAS COMPLETELY STOP RESPONDING TO MY EMAILS AND ALSO HAS BLOCKED NUMBERS I HAVE ACCESSED THEM ON CHIME HAS CAUSED ME SURE STRESS AND CAHOS IN MY LIFE IT HAS BEEN OVER 10 DAYS & I HAVE NO IDEA WHY I DO NOT HAVE ACCESS TO MY MONEY I AM COMPLETELY HOPELESS ANE NEED HELP ASLO, STRIDE BANK N. A. ( MEMBER SERVICE DEPT ) COMPLETELY UNDERMINE ME AS A PERSON ( WAS TREATED VERY RUDE ) THIS IS ONE OF THE WORSE EXPERIENCES IN MY LIFE ITS HIGHLY POSSIBLE I COULD BE XXXX SOON I AM IN DESPERATE NEED OF HELP AND CHIME MEMBER SERVICES ARE TO BLAME AND THEY HAVE NO SYMPATHY WHATSOEVER
Product: Debt collection

I'm not liable for the debt with states recovery systems I didn't enter any contract and I did not sign any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original company XX/XX/2023 and declared that this account was opened without my authorization reported unauthorized transactions had occurred with account. As a result, XXXX XXXX XXXX XXXX XXXX also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.
Product: Credit reporting or other personal consumer reports

Experian, XXXX are consumer reporting agencies I am the consumer. I have the right to make sure my private information is not shared which is back by 15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

The U.S. Department of Education notified me that my application for Borrower Defense to Repayments discharge of my loans has been approved and that I will receive full relief. Discharging 100 % of the loans, as a result the loans have no remaining balance.

According to The Fair Credit Reporting Act 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 
The Family Educational Rights and Privacy Act 20 U.S. Code 1232g ( b ) states No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying 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