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

In XX/XX/year> my vehicle was hit by another vehicle. The owner of the vehicle haXXXX XXXX XXXX XXXX. Between XX/XX/year> and XX/XX/year> I notified XXXX XXXX XXXX XXXX times that the car had been totaled after seeing that they were reporting me as late on my credit report every month after I was told reporting would stop due to the car being totaled. Between XXXX and XXXX XXXX XXXX XXXX XXXXXXXX advised that the car was in fact totaled and that the party at fault had a limitation to pay out {$10000.00}. I was sent a check wrote out to myself and XXXX XXXX XXXX. I signed the check and sent it into the lease holder whom cash the check and applied it to the balance of the vehicle. After they applied the funs they still continued to report the car late stating they were waiting for a breakdown letter from XXXX XXXX. In the mean time both parties said they would not pick up the car. XXXX XXXX stated because the car was valued at around {$24000.00} and they only could provide {$10000.00} they legally could not take the car. XXXX XXXX advised since the car was deemed total they would not want the vehicle back and therefore I was stuck with the vehicle. For months I went back and forth with XXXX XXXX and XXXX XXXX to get the necessary paperwork so that XXXX XXXX could apply the GUARANTEED GAP Insurance that came with all leases within the USA according to the finance manager at XXXX where I purchased as he also tried to help me and call into XXXX XXXX XXXX. Ultimately because of one piece a paper I the customer was left with a recked car to store and also continuous billing on my credit that greatly affected my score. To make matters worst while hospitalized the car was towed as it was believe it was abandoned at my apartment complex. The tow company after holding the vehicle for a while reached out to XXXX XXXX who retrieved the vehicle. XXXX XXXX after almost of year of refusing to obtain the recked car after the accident charged me with a repossession fee when the car was in fact never repossessed. Two years later XXXX XXXX XXXX is still reporting the car as charged off/repossessed. Both XXXX XXXX and XXXX XXXX XXXX never provided me with the proper documentation or explanation on why they deemed the car totaled without the proper paperwork and why gap was never applied. XXXX XXXX XXXX never sent the required documentation to give paperwork showing what happened with the car after retrieval
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Debt collection

BLITT and GAINES, P.C, in XXXX Illinois is trying to collect on a debt that was under XXXX XXXX XXXX or XXXX XXXX XXXX XXXX This debtor was notified that I had filed for bankruptcy by my attorney I have tried to contact BLITT and GAINES but always get disconnected and have now been served with a summons They are trying to sue for a debt that has been discharged by BANKRUPTCY XXXX XXXX XXXX was informed of my bankruptcy by my attorney and / or representative
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan to payoff a higher interest rate Credit Card. I was accepted and they were to mail the XXXX to the other institution. Sadly the check was cashed but my account was never credited for the XXXX. Discover sent it to the wrong place, and Ive been paying around {$300.00} dollars a month for almost two years now without getting my loan refunded. Discover has sent the institution many attempts to get the money verified on who and or what account this was applied with zero assistance/responsibility or response. So in closing I just feel very violated and {$20000.00} dollars is a large some of money I never received.
Product: Credit card or prepaid card

I opened up a XXXX XXXX rewards prepaid card ... I shop at XXXX TONS. My card was approved mailed to my home I activated it and gave the direct deposit info to my employer. When this past friday came I opened my paycheck to see my money had already went direct deposit. So I checked my card to see this ... XXXX BALANCE. So I immediately freaked out. Its a holiday weekend so my payroll dept had left. I contacted the card company who told me.. I had to verify my address my accounts load limit has been set to XXXX until I did so. Thru out the course of Friday and Saturday I placed 16 calls to this cards reps. And sent 7 faxes. Kept being told once my address was confirmed by fax my money would load all the reps and supervisors told me they could see my money hanging out there to load. So TODAY I finally got someone to get a floor supv to pull my fax update my account which btw the problem was I needed to verify my ID. Not MY ADDRESS. So after calling to confirm my fax was recieved I was told yes it was everything was verified my limit was raised and for me to check my card after XXXX because my direct deposit would be credited after that. At XXXX tonight it still wasnt there I called in got a supervisor who told me point blank I have been lied to by all the reps and supervisors and floor personal that my direct deposit was returned to my employer. I would have to go to them for my money ... When I asked questions he was vague about the answers claimed the previous 14 calls I had placed I was lied to .... SO we are a low income family with XXXX small children. And I a XXXX paycheck I cant access. Not to mention we are in the middle of moving.. I cant pay for the utilities to be switched or pay my landlord as promised yesterday. I am sitting at my job crying as I type this. I feel I have been scammed by these people and their only answer was write a nasty letter and mail it for the corporate to see??? They apologize for the inconvience and I can have my employer resend it andi t  will go on there with no problems UHH NO. I have done some research an I am not the only person US BANK/XXXX XXXX REWARDS CARD has done this to. Is there anyway we can get this on the news???? I dont want another family to face what I have and their hands to be at the mercy of these scammers. How do you approve someone for a prepaid card mail it to them with their name on it ... Let them use it to reserve a XXXX.. Then when their first direct deposit tries to come thru with everything matching name address ss # and employer all of a sudden they have to prove they are who they say they are ... And its so their deposit thats " hanging out there '' can come thru when supposidly I was lied to and it had already been returned? When I had 2 days to send my verifications from the date of my deposit which was friday the XX/XX/XXXX ... All of the reps I have spoken to is like they dont get it or understand this ... ..As of today Monday XX/XX/2018 I still have answers to why I was given the card and the there was an ID issue. Or why I was told my direct deposit could be seen by them and now its gone ....
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor {$1100.00} XXXX XXXXXXXX XXXX  {$1200.00} XXXX {$1600.00} XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX {$640.00} XXXX XXXX XXXXXXXX XXXX {$550.00} Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions, I break it down to understand like this, consumer ( indvidualu ally person ( company ) transaction ( payment history ) experiences ( utilization ) so if You have ion late payments on credit report go look up this ng law and use all the words marked in st ) parentheses, include this in your dispute letter and get em removed! XXXX XXXX XXXX Please remove late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have worked and worked after seeing my Credit Report and saw so many accounts that did not belong to me. I was saddened because I had no idea that it was even legal to report so many things that were untrue. I do not have a problem with paying debt that belongs to me but this is ridiculous because I have no knowledge of these accounts, please remove them immediately!     XXXX / No know ledge of this debt!  XXXX /  XXXX -No knowledge of this debt! Ive never had a  XXXX  account nor do I have a home to get these services, I am trying to get a home and that is why I pulled my report, I live with someone else currently!    XXXX  reports   XXXX   times, have n't even been to college so this could not be true! I have no knowledge of this debt.  XXXX   XXXX , Same as stated before, I have no knowledge of this debt.     XXXX   XXXX   XXXX  - No knowledge of this debt.     XXXX   XXXX  - No knowledge of this account!     XXXX   XXXX   -No knowledge of this debt!    XXXX   XXXX  -No knowledge of this debt!   I also have unauthorized inquiries and I have no knowledge of these companies! Nor did I give them the authority to pull my credit!    XXXX   XXXX  /    XXXX   XXXX   XXXX   XXXX   XXXX       XXXX   XXXX   XXXX   XXXX   XXXX    All these inquiries are unauthorized! Please help me to remove these things off my credit.  They are stopping me from moving forward and this is very much unfair because this debt does not belong to me!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I paid {$830.00} to someone for an item ( pc part, motherboard, Transaction ID : XXXX ). I never received the item and seller stopped responding to me on Discord. I've never received tracking information that shows it was delivered. Therefore, I would like money back for this. If I don't receive money back, I will file a complaint with state attorney general and federal trade commission to pursue this further.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX I deposited into my personal account ( by error ) {$7900.00}. in cash via an ATM at the bank branch location. 
At that time, both the receipt from the ATM and on the bank 's app on my mobile phone, the funds were immediately available. 
About an hour or two later, I discovered that I had put them into my personal account, which is linked to my business account for transfers. I immediately saw my balance in my personal account was over {$10000.00}. so I transferred the {$7900.00}. deposit to my business account. It all went through with no problem - on my phone. 
This morning at around XXXX XXXX, I received 2 notifications - the first email said that my personal account showed a negative balance of over {$5000.00}. The second email a minute later showed that I was overdrawn by {$710.00}. When I checked my mobile app from the bank it showed I had over {$2100.00} in my account. 

I then went onto the computer and saw that the bank did not post my deposit until 24 hours after the cash was deposited - and that I transferred the money that I didn't have. I have been assured by several bank employees that when I deposit cash through an ATM at the bank that that cash is available immediately - and the deposit slip also notes the same thing. The bank would NEVER have allowed me to transfer {$7900.00}. out of an account if the money was not there. 

I just did my taxes for XX/XX/XXXX and I found that this bank did exactly the same thing to me last year and hit me with 4 late fees of {$36.00} each - and I didn't catch it. 

This is happening at other banks also. Their software does not record deposits and intentionally records checks and other withdrawals BEFORE recording deposits which at times generate late fees from the banks ... this is illegal and needs to be stopped.
Product: Money transfer, virtual currency, or money service

To whom it may concern On XX/XX/year> I sent {$1500.00} through zelle to my friend using the phone number ( XXXX ) XXXX. When it didn't go through he informed me that his phone number had been changed. 
I tried to cancel the transfer but it had already gone through. His old phone number is attached to another person at XXXX XXXX XXXXXXXX named XXXX XXXX XXXX. 
I called my bank to see if they can stop the transfer but they said it's already gone it's too late. I was told to request the money back and I did. It has been over 24 hours. 
I went to the nearby XXXX XXXX XXXXXXXX facility and they told me they see the money is deposited into her account but there's nothing they can do about stopping the process. 
I asked if they can notify her of The Accidental transfer and they said no. 
When I tried to call the phone number it is disconnected. I called XXXX and they say it's a bank problem. 
I tried to file a claim through my bank at Navy Federal but they say this is a cash in hand transaction. I don't understand because this is electronic transfer bank to bank. I don't understand why my old friends disconnected phone number is attached to her bank account at XXXX XXXX XXXXXXXX. 
I asked XXXX XXXX XXXXXXXX if they can send her an email of The Accidental transfer but they said no to that as well. I have run out of options {$1500.00} is a lot of money for me please if you can help me I would be forever grateful. 

Thank you and have a blessed day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive paid off my major three creditors and they are trying to double charge me I have a XXXX balance and then all of a sudden I have a balance again, they got paid, I have the proof and screen shots from Aargon agaency. One was XXXX $ the other is XXXX $ and Im getting charged double my debt shouldve been XXXX instead its XXXX $!!! Now its XXXX, but I have my letters of deletion and paid in full. Its very odd to me that creditors can bully people like this. I should be debt free now since I was caught in two breaches but Im still screwed and I paid off XXXX in debt, and its stills showing and I have XXXX in new cards and its not showing
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX has been paid off since XX/XX/2018 which I have provided the receipts proof of to Experian yet once again they refuse to remove their inaccurate information provided on this account. Experian has reported money lion as a collection account which inaccurate I provided Experian with the proof of the paid off account yet they refuse to remove this inaccurate information off of my credit report. XXXX XXXX XXXX is reported as charge off with a balance {$360.00} which is not true. XXXX XXXX is a credit union and I never got a loan from them when for I asked them to send proof of why I owe {$360.00} they never did because it is not true. XXXX is reported as a collection account {$1400.00} which is inaccurate.
Product: Money transfer, virtual currency, or money service

Use if my name and my wifes email address to open new direct deposit account.
Product: Payday loan

I 'm in chapter XXXX bk since XX/XX/XXXX. Payday Loan lender despite court notification of Automatic Stay, got default judgement to garnish my paychecks XX/XX/XXXX. Attorney stopped this based on Automatic Stay Provision, however ; company still has default judgement on my credit bureaus. This is a gross violation and has caused me tremendous harm.
Product: Credit card

Hello, When I purchased a bicycle on XX/XX/23 for {$1600.00}, a key element of that purchase was the promise of several services, including a warranty for defective parts. My bicycle broke not long after purchase, namely in the breakdown of button functionality. Ordinarily, one button honks a horn, and the other acts to unlock the bicycle. 

I brought my bike to that point of sale and simply found it had disappeared. I called the company and was never able to reach anyone, or ever heard back from them. They effectively stole my money, which I believe is the primary purpose of being able to file a chargeback. 

I filed a chargeback with my credit card company that I used to make the purchase, ( Goldman Sachs ) and they collected evidence, only to belatedly deny my claim for not providing evidence. When I contacted Goldman Sachs regarding this denial, the representative seemed surprised, and helped me refile my dispute. This was the beginning of several identical denials, I believe all in bad-faith, as Goldman Sachs would repeatedly give me the same boilerplate denial for providing no evidence. 

Each time, I included evidence of this promise of warranty taken from the companys website. I have attached a video demonstrating pressing the buttons accomplishing nothing. I attached proof of the point of sale being shut down. 

I have attached warranty evidence below. This is the warranty that is currently still promised. When I purchased my bicycle, I was told the warranty was three years. Regardless, it had been under a year at the time I submitted this dispute. Note that it is required for a warranty that I bring my bicycle into the point of sale, which as I have mentioned earlier no longer exists, in the entire state. Attempts to call the old location or the company for warranty service have been met with silence. 

I will also provide screenshots of my conversations with Goldman Sachs as well as emails denying my claim. Before my last denial, I informed Goldman Sachs I would file a complaint with this agency if they denied my claim again with the same boilerplate. I have reopened my complaint, but expect them to deny it again, hence my concurrent submission here. 

Thank you deeply for your time and consideration of my issue.
Product: Student loan

XX/XX/XXXX I am again writing about my high irest and high principle on my student loan from MOHELA. I am writing about the fact that the principle has doubled since the inception of my loan. I am writing because I think the interest rates and the enormous of money I now owe is completely unfair. 
For me, this began with a collection of student loans XX/XX/XXXX. I attended graduate school with the loans. I suffered a bankruptcy and a divorce. My loan as of XX/XX/XXXX was {$55000.00}. It now totals {$97000.00} because of an inability to meet payments and a series of forbearances. Forbearances that MOHELA encouraged me to do. I believe that I have never made a late past XXXX day payment. I have never been reported to the credit bureau in my payment history. I have never defaulted on this loan. I have been paying direct loans and MOHELA {$450.00} a month for quite some time which I had met every month on time. As of XX/XX/XXXX I began making a monthly payment of {$760.00}. My interest rate is XXXX %. Why can I not lower my interest rate to a reasonable level like my mortgage which I was recently able to lower XXXX %. That along with a reasonable student loan payment will allow my family and I to pay our bills. I work XXXX jobs. My wife works. I have my own student loan, a child and a step child with student loans. I have a family of XXXX living in my house. I have a huge interest rate with MOHELA not to mention the fact that my loan payment has increased to a value of {$97000.00}. 
I do not think my interest rate is fair. I do not think it is fair that I am paying {$97000.00} for an education that actually cost {$55000.00}. I have shown that I willing to pay in a responsible manner. I pay every month and I pay on time. It is not fair that I have this enormous amount of debt that exceedingly surpasses what my initial principle balance should be. It is not fair that others are having their loans forgiven and or the idea that legislation is talking about free tuition for state schools. 
I have written letters to politicians that have attempted to help me. XXXX such advisement was from the office of XXXX-Ives telling me to contact a " XXXX, Ombudsman '' who apparently has not been interested enough to speak or write to me about my complaint. 
I am asking you to help me with this matter. A matter that I have asked MOHELA to address. A matter that MOHELA could obviously care less about. It is completely unfair that I am being asked to pay DOUBLE the amount owed for my education. That is pure greed. All MOHELA wants to do is to make as much money as they possibly can from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

One main financial I paid the balance of XXXX on XX/XX/2022 balance paid in full.
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 imely 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 XXXX XXXX financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXXXXXX XXXX began contacting me in XXXX. Sending me dozens of statements and collections. I was unable to make payments due to decreased earning. Once I became stable I was notified that they tacked on a 16 % increase in the debt that was not reflected on the statement. And when I asked they stated that it was just the way it was and that I had agreed to it in my contract and there was nothing I could do. When I requested to begin making payments I was made aware that the interest was greater than what I could pay. When I asked settle or arrange a payment plan that I could handle I was told that they would not work with me. And that my credit would continue to be affected for at least 27 months before they would consider settling.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect and they are adversely affecting my livelihood. 

Address History : 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCT XXXX IS SHOWING INACCURATE BALANCE I CALLED AND VERIFIED THE CORRECT AMOUNT IS XXXX BUT IT SHOW INCORRECT BALANCE ON TRANSUNION, XXXX, XXXX AND XXXX. 

MULTIPLE INSTANCES OF INACCRACIES, OUTDATED AND ERRONIOUS INFORMATION DOCUMENTED WITH PREVIOUS COMPLAINTS THAT THEY REINSERTED AFTER REMOVAL.