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

On XX/XX/2021 I purchased a used car in my car loan I had a warranty that cost {$1800.00} when I tried to use my warranty for the car the warranty people that Westlake uses kept saying that I don't have an active warranty to the car I went back and forth with Westlake and the warranty company that they use in order to try to get my car serviced I was not able to get my car service because by time they found a active warranty for my car it was over the mileage and the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX I have a charge off account in my name with XXXX XXXX. I shouldve received a XXXX Cancellation of Debt Form. Because of that, the account is INACCURATE and HAS TO BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is completely unresposive when responding to complaints and inquiries about their reporting. After filing a complaint about false information they were giving out to creditors, they eventually issued a confirmation number to be used in viewing the resulting findings. However, in order to view the results, a questionaire must be filled out that asks about various accounts the inquirer may or may not have, and the answers must match what Equifax has on file. Since the information that Equifax has on file is false and inaccurate to begin with, their is no way to correctly answer the questions and the complaint findings can not be viewed. 
Equifax is committing fraud with this system ; they obviously have no intent of invesitgating or correcting the false infomation they provide to lenders. And they are equally unresponsive to phone inquiries ; demanding that the caller provide irrelevent and non-existant information before processing the complaint. 
Equifax if violating the rights of consumers and should be stopped or put out of buisness!!
Product: Credit card or prepaid card

I received a letter stating I am pre-selected to apply for a credit card from Citibank, the Citi XXXX XXXX XXXX. The letter says that 8 out of 10 applicants who applied before the deadline of XX/XX/22, have monthly income of at least {$1000.00} in excess of mortgage/rent payment, didn't have a past due Citi card XXXX did not have bankruptcy in the last 7 years, and didn't have a reduction in credit score since the time of the offer, typically would be approved. I do meet all of these criteria, and yet my application was denied. As I recall, this is not the first time that I have been rejected for a pre-selected or pre-approved card offer and gotten rejected. I am aware that the FTC recently pursued action against XXXX XXXX for this very same practice of soliciting applicants who are told they are pre-approved only to deny them and then harm the applicants ' credit. I would hope that similar actions can be taken against Citibank and other such banks as this is a widespread practice in the industry that is harmful to consumers.
Product: Debt collection

Thank you for your recent contact dated : XX/XX/2019.

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim since I have been terribly harassed by # CapitalOne, and I need to file a complaint against this credit card bank that is imposing late fees and interest charges illegally. 

Please see the attachments and look at my Capital One account carefully carefully. Id like you to match the amount. The credits I received from the merchandise, i.e., XXXX doesnt match with the ones processed by CapitalOne . Also, some of the refunds were provided really late by the merchandise XXXX. 

If the merchandise XXXX is unable to provide refunds on-time, why should I be paying the late fee/interest charges? Capital One should have the courage to demand XXXX. 

So kindly waive off these illegal charges against me and in future, please process the correct amount of refunds in time. 

Thank you If u have any questions or concerns, feel free to contact via email : XXXX or phone : XXXX.
Product: Vehicle loan or lease

My payment date was changed over the phone several months back. Due to my spouses death I have lost 40 % of my income. I spoke to a supervisor from the financial group and was told the date can not be changes and I now owe 2 payments which I can not make. They are not willing to work with me or ever listen to my issue. I just cant make these payment today as I have no funds. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am writing to complain about wrong information on my credit report. Following addresses are inaccurate and not my current or current address. XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The following inquiries are on my report that were not applies for me by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employers on my report are not accurate or current : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE DELETE AND REMOVE ALL INACCURATE INFORMATION IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft ; I discovered accounts reflecting badly on my credit report today XX/XX/19 when I was denied from opening a credit card at my bank. None of these accounts are mine ; I did not open them nor have I ever gave anyone permission to open them in my name with my personal information. I have reason to believe that these accounts belong to my father XXXX XXXX XXXX. I have already filed a police report regarding these accounts. I do not have any written/verbal contract with any of those companies and I never allowed them to run or access my credit file. I never gained anything from these accounts such as money, goods, services or any other benefit.
Product: Debt collection

The debt is related to the rent payment for the apartment. I had a agreed monthly rent amount. I left the apartment sometime in XXXX 2015 and the apartment complex asked me to pay more than what I should be paying. I disputed this payment amount and wanted to pay the legitimate amount according to my lease agreement. 

The debt collector did n't send me a notice for collecting the payment. They never tried to reach me. 1st time I knew about a debt collector is from my credit report! 

Even after asking for a written notice, they refused to send me XXXX. I think that its unfair that the debt collector is behaving like this way.
Product: Student loan

XXXX is the worst company I've ever dealt with. 

Since XX/XX/2014 I have had my student loans serviced through XXXX, and have been making qualifying payments toward PSLF. Each year I re-certify my employment and electronically upload this form to their site. At this point I should have around 40 ( out of 120 ) qualifying payments, and yet, my account says I've made only 7. 

I've tried emailing and calling XXXX. They do not return emails. Their phone service providers are not helpful. I can't get any answers. 

They have also consistently raised my IBR payment each year. I have requested switching to REPAYEE for a lower payment, and have received no response. 

How does a company this large with so many people 's financial lives at stake get away with simply ignoring their customers? They provide inaccurate, harmful information. They do all they can to keep you in debt.
Product: Checking or savings account

Dear Chase, I recently made complaints in past about my phone number.. I received voice mail today saying my phone number is updated on XXXX end and believe it should be updated on Chase Fraud department system as well. Ive attached the voicemail from XXXX. I just believe XXXX XXXX has to call Chase and Chase just has to call me now
Product: Mortgage

I applied for a Home Equity line of credit through Navy Federal Credit Union. They completed an appraisal. My loan officer assigned was XXXX XXXX. I had to leave repeated voice mail messages with XXXX which I received no response. After multiple attempts to reach XXXX, he told me that my loan was denied due to underwriting guideline he stated was provided by the Federal Government that individuals require two years of self employment to be eligible for a line of credit, despite providing business tax returns and current business financials. This is arbitrary decision to refuse to use my self employment income when Navy Federal Credit Union offers small business loans for new businesses. I also believe that XXXX 's complete lack of customer service was shameful, and his refusal to answer calls or respond after two months is an absolute embarrassment.
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 process 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 financial l
oss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account Name : XXXX FIN Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Debt collection

I used to go to XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Last year, I canceled my membership and moved to a different neighborhood. A couple of months later, I started receiving emails and calls from a debt collector demanding {$220.00}. They somehow have my credit card and personal information and keep contacting and bothering me. After researching, I found that many people are facing similar issues with this debt collector, Aldous and Associates. 

Additionally, I discovered that the gym has closed and no longer exists, leaving no place to file a complaint. I've attached the cancellation email from the gym and a sample of the emails as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

YESTERDAY, Monterey Financial Services LLC XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX ( XXXX ) XXXX, A COLLECTION COMPANY, ILLEGALLY SUBMITTED TO MY BANK TO WITHDRAW FUNDS THROUGH A MONTHLY DEBIT CARD PAYMENT WITHOUT MY KNOWLEDGE AND AUTHORIZATION FOR AN ACCOUNT I DO NOT HAVE AND HAVE NOT AUTHORIZED. 

I DON'T KNOW HOW THEY GOT MY BANK DEBIT CARD ACCOUNT INFORMATION, BUT THIS IS UNACCEPTABLE, UNPROFESSIONAL FRAUD AND THE COMPANY SHOULD BE CHARGED ACCORDINGLY AND ALL THREE OF MY CREDIT REPORTS BE UPDATED TO REMOVE THIS ACCOUNT ACTIVITY IMMEDIATELY PLEASE. I HAVE BEGUN THE DISPUTE PROCESS WITH MY BANK. I ALSO SUBMITTED A COMPLAINT TO THE XXXX XXXX XXXXXXXX IN THE STATE OF THE COLLECTION COMPANY. PLEASE HELP. THANKS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education/XXXX opened XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX have all been refinanced but showing inaccurate payment history and should be deleted after 7 years off my file since the account is closed. If the closed account includes negative information that's older than seven years and I would like it removed from my credit report.
Product: Debt collection

I contacted this debt collector concerning a debt reported by credit reporting service. 

I asked them to send me documentation showing the original creditor stating the true and accurate final amount of debt owed to the original creditor and stating this debt collector was given the right to collect the final amount of debt owed to the original creditor. 

I was told they can not respond in writing to me. 

I sent them an affidavit requesting them to provide the documentation and that the FDCP mandates they respond within 30 days. 

This debt collector did not send me any documentation nor responded to me at all. 

I consider this to be a case of fraud and extortion.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.
Product: Money transfer, virtual currency, or money service

I was scammed by chihuahuagarden.com on XX/XX/2023. I supposed to purchase a XXXX puppy but I didn't receive a puppy. 

I paid {$820.00} to XXXX XXXX ( XXXX ), I used Zelle to send my payment for the puppy ( Zelle to XXXX XXXX - XXXX - REF # XXXX - XXXX XXXX  XXXX ). I communicate with him thru text messages at ( XXXX ) XXXX and email : XXXX. 

I paid {$1700.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the Air Conditioned Pet Travel Crates Rental ( thru Zelle to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX ). I communicate with him thru phone ( XXXX ) XXXX and email : XXXX. He said that it is 95 % refundable upon the arrival of the puppy at home. 

Later, XXXX XXXX informed me that the puppy is put on hold because the pet needs insurance at XXXX XXXX XXXX XXXX. I paid {$1500.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the XXXX XXXX XXXX XXXX XXXX ( {$700.00} - thru Zelle to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX and {$800.00} - XXXXXXXX XXXX to XXXX REF # XXXX ). He said that it is 95 % refundable upon the arrival of the puppy at home. 

It's too late for me that my relatives and friends told me that chihuahuagarden.com is a SCAM and it is included in the list of XXXX Scams at the websites. 

Again after XXXX hours, XXXX XXXX informed me that the puppy is put on hold again because the pet needs XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX. I need to send {$1300.00} and It is refundable also upon the arrival of the pet. I didn't send a money anymore because I learned that it is a SCAM. I tried to call him for the refund of the money that I send but he refused to give my money back. According to him that the puppy is already at XXXX XXXX XXXX XXXX. He said also that if I don't send a payment, FBI will arrest me for the abandonment of a puppy at the airport. 

I lost for the total of {$820.00} + {$1700.00} + {$1500.00} = {$4100.00}. This is a big lesson for me. As of now, many online websites are fraud. I need to be careful next time especially when I send the money. 

I tried to contact my bank, XXXX XXXX to dispute or reverse my payments thru Zelle and XXXX XXXX. Since those apps are considered as cash payment, they can't reverse my payments and the money that I send to them are totally lost. 

Sadly, the address of the breeder, XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, Texas belongs to the real owner, XXXX XXXX. The address of XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, Texas XXXX belongs to XXXX XXXX and XXXX XXXX 

I would like to request for your help. My bank told me that the payment transactions that I did will be reversed if I have a police report and FBI reports. 

I hope that you can help me to arrest the scammers and help the victims of XXXX
Product: Mortgage

I was congratulated on my mortgage modification. But the bank did not disclosed the new term and the percentage rate of the loan. I 'm still at 8.5 percent and 11 percent on loans. I 've been dealing with them for over a year now they are just doing nothing. I have an XXXX child and I have XXXX. I have been feeling as this is a JOKE to them. The bank is not treating me with any respect and they are not willing to help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX In response from XX/XX/XXXX Experian, XXXX and XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my mailing address to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX XXXX ( I have never gone by XXXX XXXX or XXXX XXXX XXXX XXXX I don't know who that is ) My Only and Correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX I do not wish to have any telephone numbers on my report. 

Please review all the other addresses and names off of my reports as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

We remodified My loan and when I sold the hone they took XXXX XXXX XXXX of dollars out of the sales price.
Product: Prepaid card

Money was sent to wrong person and when both myself and the person that it was sent to contacted chime they said they couldnt help us
Product: Credit reporting, credit repair services, or other personal consumer reports

Original creditor XXXX XXXX  Hospitals accepteded full payment for the original medical debt that I was not properly notified of. This collection agency reported a 19 interest payment on my credit report after the account was paid in full and to the original creditor and settled as agreed. This is illegal and is impeding my ability to obtain a mortgage. I have attempted to resolve this with Experian and XXXX XXXX XXXX.
Product: Mortgage

On XX/XX/2018, the company servicing my mortgage, XXXX XXXX XXXX , XXXX, ( XXXX ) transferred my account Selene Finance LP. I was on a repayment with XXXX that was difficult to make. I had to enter the agreement as they were threatening foreclosure. Selene Finance LP decided to keep the same repayment plan. I was advised by Selene even if they were to do a loan modification, it wouldn't work in my favor ; the payment would be higher than the current one. When I got the statement from Selene after the transfer, included was the payment coupon in the amount of {$740.00}. Thus far, I have sent {$2000.00} to Selene and they have not applied it to my mortgage. They said they want the remainder of the first payment. I sent in {$750.00} with the coupon. After speaking with Selene, several times, the answers to why the money hasn't been applied to my account is inconsistent. Twice, I've been told that the money will be returned. To date, it has not. They said I am in foreclosure status. Also, an enormous amount has been added to the total mortgage amount owed ; on XX/XX/XXXX, XXXX, {$140000.00} to {$170000.00} as of XX/XX/2018.
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 and Equifax 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 XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$7200.00} XXXX XXXX Balance : {$7500.00}