23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My name isTheresa XXXX XXXX. I am a XXXX age XXXXyrs old. I live at XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX. Please I really need your help. I bought a car, XXXX XXXX XXXX year model. The finance company is Exeter Finance. Address of Exeter is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Their phone number is XXXX. I bought the car XX/XX/XXXX. Loan # is XXXX. 
The problem taht I have is that I finished paying off my car and now I am getting threats from Exeter Finance saying that they are going to repossess my car. They said I still owe them {$1200.00}. They called me on XX/XX/XXXX. I was scared when they said they were coming to get my car despite teh fact that I have paid them {$11000.00} to date thinking I had paid off my car. I paid them {$600.00} by phone from my Social security payment. Then on the very next day, XX/XX/XXXX at about XXXX they called again demanding for more money. I told them I did not have any thing more since they took the chunk of my XXXX pay, net for XX/XX/XXXX and I only had a small amount to live on. Then I went to the non profit in XXXX XXXX and they suggested I file a complaint. They helped me call Exeter Finance but to no avail. I feel I have been cheated. The car payment was {$320.00} per month for 63 months at 28 %. I felt so proud that I paid them off the total of {$22000.00}. For a {$12000.00} car, I paid {$22000.00} for it. I still did not get my car title. Please can you help me get my title and investigate the excessive payments I am still been charged. I will like a refund of any excess payments I have made. Thank you.
Product: Checking or savings account

I recieved a notice from USAA federal savings banks that they are going to close my account because it is currently overdrafted. 

I have been so XXXX XXXX Never over drafting and managing my finances like an expert. THEY KNOW EXACTLY WHEN AND HOW MUCH I GET PAID. 

Yesterday I filed a complain regarding Title 15 chapter 41 and now it seems they are immediately retaliating against me. Keep in mind that complaint : complaint XXXX i stated that I have continuesly been financially prepping to avoid negative accounts and sustain a modest and meek living. 

The information i provided is true and full in detail and I swear under law and purgery that it is accurate. 

Letter details from USAA : XX/XX/2023 XXXX XXXX XXXX, USAA is committed to keeping you informed about important changes to your account. This notice is to inform you that your USAA Federal Savings Bank account ending in XXXX is overdrawn in the amount of {$190.00}. Under the terms of the Depository Agreement and Disclosures, you agreed to resolve any insufficient funds immediately. If you fail to bring your account to a positive balance, we will close your account. If you have questions or believe an error occurred, please contact USAA immediately. Thank you for allowing us to serve you. Sincerely, XXXX XXXX XXXX Assistant Vice President, Member Debt Solutions USAA Federal Savings Bank If you have declared bankruptcy, call us immediately at XXXX so we can honor all provisions of the United States Bankruptcy Code. If you are outside the U.S., call us collect at XXXX. USAA is required by the laws in some states to inform you that this communication is from a debt collector attempting to collect a debt, and any information obtained will be used for that purpose.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX FIN XXXX Balance : {$23000.00} ; US DEPT ED XXXX {$3400.00} ; US DEPT ED XXXX {$2500.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1600.00} ; US DEPT ED XXXX {$3300.00} XXXX US DEPT ED XXXX {$7600.00} XXXX US DEPT ED XXXX {$5400.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1400.00}.
Product: Checking or savings account

My spouse and I are XXXX and he is a veteran. We received a check for {$500.00} from our grandmother on Monday and I e-deposited it into our joint account and was able to withdraw almost half upon deposit and the other half the following day but the funds were not showing until early the following morning. I needed to pay a mechanic for work done on our only vehicle and purchase some medications and discovered that the entire account had been transferred out to an undisclosed account. I called Navy Federal Credit Union immediately and it took almost 20 minutes before I was told that Navy Federal Credit Union had taken all the funds to cover an old charged off credit card my spouse had with them and when he became ill with a rare XXXX  was unable to continue to pay them. The gave us no warning whatsoever of their intentions and it is especially hard given this time in the Pandemic we are struggling. Also the check was sent to me and I deposited it into a joint account. Are they legally able to take my money even though the old debt was not mine?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reporting to you that i am a victim of Identy Thief and possible fraud. On or about month of XX/XX/XXXX. I pulled my credit report to check for any Inaccuracies cause I'm trying to purchase a house. I notice that on my credit reports. My name is listed numerous times and also spelled incorrectly. And also addresses that i never lived at. I also notice the i have numerous unauthorized inquiries for Credit cards and Peronal loans. And some Auto loan inquiries. I called numerous times to dipute this. Also i mailed them letters to have them removed. I just found out that my informiation. NAME, SSN, ID NUMBER AND ADDRESS and AMONGST other information pertaining to me. Was involved in the XXXX data breach of XXXX also part of the XXXX data breach  Of XX/XX/XXXX. As well as the Transunion breach So basically i am a victim of identity theft due to the information that was leaked from the 3 Credit Main Bureaus data breaches. Is there anything you can assist me with to have them remove the names and Inquiries That has been unauthorized. I have placed Security freezes and Fraud alerts on all my reports. Jus to start. THIS IS A BIG PART OF ME FILING FOR BANKRUPTCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. 
Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Out of my dismay, lately I received several pieces of letters from Citi - American Airlines AAdvantage Card ( like the one I attached ) telling me that I have a card with them. Obviously somebody has stolen my identity and opened a card in my name. Even worse, Citi let this happen without any unusual observations. My XXXX email account got hacked over the past few months and I noticed that I received several requests from Citi to activate the card that I did not apply and had never received. How did this happen?
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3800.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance {$890.00} XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/year> XXXX XXXX  XXXX  Date of inquiry XX/XX/year> XXXX XXXX XXXX Date of inquiry XX/XX/year>XXXX XXXX XXXX Date of inquiry XX/XX/year>
Product: Credit card

On XX/XX/year> I applied for an Apple Credit card. They denied the credit application based on information received by a 3rd party. I called ( same day ) and spoke with an Apple account specialist manager named XXXX whom refused to give me her last name and employee ID number. She said she would escalate the complaint to a higher up. I hadnt heard anything back so I called again on XX/XX/year> and spoke with another Apple Card specialist supervisor named XXXX whom was rude and also said that he would escalate the complaint. XXXX also attempted to intimidate by way of telling me that I was wrong and that things wouldnt go well for me and hung up on me. They have taken adverse action against me by denying my consumer credit application. Nowhere in the Fair Credit reporting act does it mention Adverse action. The action they have taken is unlawful and is in direct opposition with TILA and the laws outlined under United States Code title 15.
Product: Mortgage

XX/XX/2015FROM : XXXX XXXX ( " XXXX '' ) XXXX XXXX, TX XXXX ( land at home ) E-Mail : XXXXToday I received an e-mail from an entity providing a pen name for their e-mail address of " chase ''. Their e-mail address was : " XXXXXXXXXXXX ''. The e-mail said that they had new interest rates on home loans. They provided a link for me to submit my financial data and identity information, and said that they 'd then quote a rate. Instead, however, I received phone calls and e-mails within about an hour from XXXX finance companies : XXXX, and XXXX XXXX. These companies said that they received referrals such as in my case from various entities, but seemed to imply that they did n't collaborate with organizations like the one which had sent me the aforesaid e-mail. I 've attached a copy of that message. 
I suspect that the aforesaid entity which sent me the e-mail was impersonationg the bank known as " JPMorgan Chase XXXX XXXX , XXXX '' That company usually just happens to use the brief name, " Chase '', to identify themselves, and note in that regard that they 've instructed me to make the checks which I send them for the monthly payments on my first mortgage with that institution merely to " Chase ''. 
The contacts which I received to solicit my business on home loans as a result of that suspicious-looking e-mail, and shortly after I 'd completed the link contained therein were : Loan Depot : XXXX, XXXXXXXX : XXXX, XXXX XXXX ( his e-mail address for the message he sent me : XXXXXXXXXXXX addition, I presented all this information today to XXXX XXXX XXXX XXXX XXXX for her investigation : " XXXXXXXXXXXX '' ), XXXX ( direct ) ; XXXX XXXX XXXX Office, Resolution Advocate ; XXXX, ext. XXXX. 
I have also reported this entire matter today by phone to the assistant manager, " XXXX '', at XXXX of JPMorgan Chase XXXX XXXX , XXXX 's branch offices in XXXX, Texas : XXXX ; XXXX FM XXXX XXXX, XXXX, TX XXXX ; e-mail address for the manager there, XXXX XXXX : XXXXXXXXXXXX said that she 'd refer the matter to the appropriate party ( parties ) within the corporation, but she has n't contacted me since then to indicate what she 's actually done, if anything.
Product: Debt collection

I am the Consumer pursuant to 15 U.S.C. 1692a ( 3 ) and Creditor pursuant to 15 U.S.C. 1692a ( 4 ). I went to XXXX XXXX XXXX on XX/XX/XXXX to conduct a consumer credit transaction for the purchase a vehicle. I filled out a credit application and extended my credit but an employee of XXXX XXXX XXXX named XXXX XXXX XXXX financing through Ally Financial in the amount of {$30000.00} under the guise that it was necessary. I am in possession of a " Retail Installment Sale Contract '' This form is misleading and deceptive. It gives my security interest to the vehicle to Ally Financial. My private information has been breached. I have sent a debt validation letter and cease and desist letter to Ally Financial and it was received on XX/XX/XXXX. The USPS tracking # is XXXX XXXX XXXX XXXX XXXX. Ally Financial is committing mail fraud petitioning me for an alleged debt. I sent Ally my instructions and a rescission letter pursuant to 15 U.S.C. 1635 that was received on XX/XX/XXXX, the USPS tracking number is XXXX XXXX XXXX XXXX XXXX. I am sick and tired of the harassment and blatant disregard for my Consumer rights. I recently received a threatening letter from Ally Financial attempting to collect a debt which is another violation. They never responded to my debt validation letter. They are also reporting inaccurate information to the Credit Bureaus which is ruining my reputation and it violates the Fair Credit Reporting Act. Ally Financial nor XXXX XXXX XXXX has responded to my affidavit that I signed under penalty of perjury. I am aware that a straw purchase has occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

These INQUIRIES below have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C

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 an account without my written instructions.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THEM IMMIDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report delinquencies for XXXX account XXXX through XXXX XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XXXX XXXX, income which I subsequently was required to include with my taxable income on my XXXX tax filing. They correctly report the balance as zero, but report delinquent payment history for each month through XXXX XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found item ( XXXX ) to be in error. In compliance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I insist on receiving actual evidence of the information being verified, rather than a computer-generated confirmation.
Product: Credit card or prepaid card

Reference Number from Citibank : XXXX In XXXX, 2018, I purchased a window blind on the XXXX XXXX website. The blind was listed in error for {$1.00}. After several weeks had passed, I did not receive the blind. I chatted online with XXXX, and they said the order had been cancelled due to the mistake. I asked them, how can they, let the order go through and debit my account for the price of the blind and then cancel the order more than a week later without my permission or notification. They agreed that it was handled incorrectly, and they would honor the {$1.00} price, because it was their error. They instructed me to reorder the blind, notify them with the confirmation code when the order was complete, and they would reimburse me the difference ( See enclosed text message ). 

So, on XX/XX/2018, XXXX debited my Citibank card ending in XXXX for {$170.00}. Eventually they credited me only {$24.00} and not the {$150.00} they originally promised. I would like to be credited the remaining difference of {$120.00}, which I was promised in writing by XXXX XXXX. I tried reaching out to them to correct the error and they refuse to do anything more. 

I was appalled at how Citibank Customer Service handled my dispute. When I originally filed my dispute, I provided Citibank with all the correspondence to resolve this problem. At the time I was getting ready to leave the country for the summer and informed the Client Care Specialist that I would not have access to a phone or my mail, was there anything else I needed to provide them with? I was told no. I also said usually you send a dispute letter to the house, would I have to worry about responding to that as well and the Specialist said, a letter would not be sent because I had furnished them with all the information they needed and that it would be simple dispute to resolve due to the written promise to reimburse by XXXX XXXX. 

I even attempted to re-open the dispute on XX/XX/XXXX ( Letter attached ). 

When I arrived home after my trip, there was a letter requesting more information from Citibank waiting for me. I then called to check the status of my dispute and to ask why a letter was send despite my being told they would not send a letter and yet they did. I was told that, they didnt know anything about a letter not going out and the dispute was closed, due to lack of information. 

Prior to leaving on my trip and when I first initiated the dispute, I faxed Citibank and they received, a detail timeline and all the chat screen shots of the conversation between XXXX XXXX and myself. I was told that all this information I sent, was more than adequate to resolve the dispute. The new Client care rep, said she reopened the dispute, I resent everything AGAIN, and waited, only to be told weeks later that this dispute was finally closed and there was nothing that could be done about it. She suggested I write to Client Relations ( which I did ) to complain on how the dispute was handled and hopefully Citibank might resolve this situation.
Product: Credit card or prepaid card

XXXX have already done as much as they can and referred me to you and the New York state attorney. The ID number for the XXXX claim is XXXX. 
HSBC bank charged me a fee that I didn't sign up for. The statement I received from them, described the fee as a cash advance, which I did not do, but they argue no fault of theirs until they are blue in the face ... or me! 
Customer relations sends me a generic card agreement, which doesn't even closely match my card, but DOES show the fee. They will not budge on that fable. XXXX has asked them to respond and they havent. They asked again yesterday, and they refused to respond. 
There is one attached file with interest and fee information. This is NOT for my credit card agreement, but for the checks that I detached, to use for transferring balances, with a fee ... which I have not used. This is the other side of my welcome letter. 
Please help if you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and have noticed so illegal activities regarding the reporting of certain information. Please see attachments for directions on what to do.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or went to a wrong address.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rights.

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 received notification from XXXX XXXX on the XX/XX/XXXX that I was reported 30 days for a credit card I haven't used in over a year. 

I received a letter this summer that Barclays was cancelling my credit card due to inactivity if I didn't respond in 15 days. I assumed my credit card was cancelled which was fine as I don't use it. On the XX/XX/XXXX I was reported 30 days late due to an annual fee that was charged on XX/XX/XXXX. I didn't receive any notification by mail or calls to let me know I was past due. Once I found out I paid the bill so I wasn't reported late. They also had sent me a new credit that I have never activated. I called them to remove the late and they said they can't because I was late. It was a card that has had a XXXX  balance for over a year and I have been with them for over 4 years with zero lates. I think it's unfair to report me late for an annual fee and it dropped my fico score 100 points. Again, I called them and no help at all.