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

I recently financed a car with credit acceptance Corp and I believe that I also was lead into a misleading loan. I am paying XXXX percent, {$420.00} a month for a used XXXX  XXXX XXXX that at the time had XXXX miles. When I tried to buy it at the dealership I remember it saying XXXX. I had put down XXXX and I still have to pay XXXX for XXXX  years. After reading they are being sued in NY by deceptive loans, I believe I was wronged as well. And want my story heard as well. My loan is XXXX  months, and the interest has made the car over XXXX dollars. I have already paid for XXXX months and the loan hasnt even gone down to XXXX which is apparently the cost of the car afterwards when I signed. I did not have great credit at the time so I believed that maybe the price changed for me alone because of that. Understood the interest because of my credit but could not understand how I could put down XXXX still pay XXXX and for XXXX  years. And how a car that is XXXX blue book value of XXXX XXXX ended up being XXXX and I will be stuck with this loan for a long time. I also believed the mileage had played a part in the cost but the price did change after I initiated buying it. I am able to afford it yet is taking way too much of my income. at the time I did not pay rent or bills and now that I do I worry about not being able to afford my car. I always thought this loan was confusing but I do also feel like as a first time buyer I was mislead. And that I just took their word that my credit was so bad. But it seems like my Loan has barely gone down even though I continue to pay XXXX each month. I would like to be reached out to in regards to this loan and lawsuit as I believe Im another case against them. I was not sure who to contact but I am looking into contacting the NY attorneys who brought this lawsuit to light. XXXX XXXX can reach out to me but I will probably not take their word as they do not seem like a good company and have been sued before. Im sure they will just try to tell me this is right even though I feel its wrong and I would like someone else to reevaluate the loan.
Product: Debt collection

Capital one repossessed my car illegally in XXXX of XXXX. They said I was behind on payments when they received payments back in XX/XX/2023 for over {$5000.00} and they also closed my account down back in XXXX XXXX and written it off. 

They failed to provide me with a 1099c or 1099a for the write off. Reporting different information with different CPAS and never had the consent to share my non personal information with the credit bureaus and ignored my last disputes with them. 

My credit report is not reflecting these payments they received the credit report agencies are not properly investigating. 

They failed to provide me with recent statements. Only statement I have is the one from XX/XX/2023. No XXXX or XXXX statement available showing the amounts they received. They been reversing my payment over and over since they received payments. 


See attachment
Product: Debt collection

Rossi law office knowingly obtained a judgement attempting to pad bill they acknowledged they knew was not mine.

they misrepresented themselves on phone, witnessed.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

First, SunTrust bank refuses to allow mortgage clients to email or upload their insurance information. NO ONE uses paper and fax machines XXXX XXXX, except apparently SunTrust. They are not capable of using email to communicate and you can not email or upload insurance information. Second, SunTrust received my master condo flood policy weeks ago, but refuses to update my account accordingly. Third, SunTrust threatens to force place flood coverage on my condo for the outrageous premium amount of {$5900.00}! The entire condo carries a {>= $1,000,000} master flood policy, with a premium of {$60000.00}. I owe SunTrust {$69000.00}. The max coverage per home is {$250000.00}. Even if {$250000.00} coverage had to be placed, THERE IS NO WAY IT CAN COST {$5900.00} PER YEAR. SUN TRUST IS CLEARLY TRYING TO GET AWAY WITH ROBBING THEIR CUSTOMERS. THIS IS HAPPENING IN A FEMA DECLARED DISASTER AREA DUE TO HURRICANE IRMA! UNCONSCIONABLE.
Product: Mortgage

Good morning, XXXX states : " In XX/XX/XXXX, Select Portfolio Servicing was purchased by XXXX XXXX, a financial services company, headquartered in XXXX, XXXX. According to a Securities and Exchange Commission report ( XXXX : XXXX ) filed XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX ), XXXX now known as XXXX XXXX, purchased Select Portfolio Servicing and its parent holding company for XXXX. XXXX XXXX Investment Banking Strategy [ XXXX ] included " the acquisition of Select Portfolio Servicing, a mortgage servicing company. '' In XX/XX/XXXX, the FTC conducted a review of Select Portfolio Servicing 's compliance with certain aspects of the XX/XX/XXXX settlement. The FTC and Select Portfolio Servicing negotiated and agreed to several modifications of the settlement. [ XXXX ] HUD has also agreed to these changes. 

In XX/XX/XXXX, Select Portfolio Servicing received a $ XXXX bailout from the US Government TARP program. As of XXXX XXXX, XXXX $ XXXX has been dispersed to the company. The company has not paid back nor are they expected to pay back the funds. [ XXXX ] [ XXXX ] '' Can you help me understand this? XXXX XXXX buys you for XXXX. You take XXXX as part of a " bailout ''. You never repay the bailout. How does this work? What did you use the XXXX for? 

XXXX
Product: Money transfer, virtual currency, or money service

Ive been waiting for an e-check on PayPal for multiple days now and they keep giving me different dates of delivery first I was told on XX/XX/XXXX. It would be available then they told me XX/XX/XXXX and now theyre telling me XX/XX/XXXX.
Product: Debt collection

received frequent calls. I told them the debt was settle out of court by their lawyer and that they need to contact their lawyers. they still call my home and they file a false report with credit bureau saying the account was delinquent. i have proof the account is up to date in payments. the payments are made directly to their lawyer as agreed upon.
Product: Debt collection

SEQUIUM ASSET SOLUTIONS a collection agency is attempting to collect on an alleged debt in the amount of {$280.00} for their client : XX/XX/XXXX. I have no knowledge of this account and never received written notification from SAS prior to them placing this invald information on my credit reports without due process ... .process XXXX include my rights as a consumer pursuant to the FCRA , FDCPA and the Fair Credit Billing Act. As well as the HIPAA Act I never received written notice of this alleged debt nor did I receive a notice of right to dispute which is my rights as a consumer under federal law. And agency has placed derogatory information on my reports as valid when in fact it was never validated is being mine
Product: Debt collection

The companies charged a fee for a purchase now it says I owe triple the amount. Which was not stated as well as using their website you can make payments on it and it wont even allow me to log in but they want to charge me. This doesnt make sense I feel scammed being this was not stated anywhere and was said to be a secure lender. Than to find out they scam customers and charge them money triple of what they owe, with no way to repay the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus. Experian XXXX XXXX and XX/XX/XXXX. has not updated my correct in XXXX count. I have enclosed all dispute documents to all 3 bureaus. Experian XX/XX/XXXX and XXXX XXXX. I want this documents to be complied with an updated on my credit report.
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 loss, and I seek appropriate redress. I have also been getting charged miscellaneous amounts from not only XXXX but XXXX as well through Block , Inc . There has also been an attempt to withdraw money from my account during uncommon hours of the night from dentistry or insurance companies without my knowledge.
Product: Checking or savings account

I received an offer and opened a Citi Accelerate High-Yield Savings Account on XX/XX/XXXX. I deposited $ XXXX on XX/XX/XXXX and maintained the minimum balance until XX/XX/XXXX, I attempted to chat with a representative in XX/XX/XXXX to ask about the bonus. The rep said I didn't qualify because of money needed to be in the account longer, but XX/XX/XXXX to XX/XX/XXXX is more than 60 days required to get the {$450.00} promotion bonus. 

I attached the offer and bank transactions for review.
Product: Credit card

Capital One denied my dispute because they said it was past the timeframe to dispute. On there website it says to try to solve issue with the merchant first, which Id did. The merchant said they would reimburse me but I never received the refund of {$2700.00}. So since I was going round and round with the merchant I decided to go directly to the bank, capital one. They said all the paperwork I sent was good for a dispute but past the timeframe to file. I would have gone straight to file a dispute if it had not said on there website to go to merchant first. I feel there should be some exceptions here
Product: Credit reporting, credit repair services, or other personal consumer reports

i had a mortgage with XXXX.i got a letter from them in XXXX, saying they were gon na sell my loan to XXXX  XXXX.i did online reviews of there company, and decided i don't want any part of them.so i paid the mortage off on XXXX.i sent a cashiers check, i got the letter from XXXX saying paid in full i got an alert from XXXX  credit bureau XXXX XXXX saying my credit score went from the 800 '' s to the six hundreds.so after investigating, XXXX   XXXX  said they hadn't received a payment in 120 days.the credit bureau report said , amount owed XXXX, amount paid XXXX, after all of this XXXX  admited that it was a mistake.but they want me to send them a letter asking for them to remove it from the credit bureau.i said '' u just told me it was a mistake '' and now u want me to ask u to please remove it!!!, after the hard ship i have been through!! but i did send them the paid in full letter from XXXX, a copy of the cashiers check last week.i called them today XX/XX/XXXX, they said they had received my documents, and do u believe they still want me to send them a letter requesting them to remove it from my credit report!! i said, wait a minute, i'm the victim here, shouldn't you be sending me and apology letter!! i have allready the attorney general.they suggested i also contact u.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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: Credit card or prepaid card

I purchased something with my for {$340.00} from XXXX XXXX XXXX with credit card AARP Chase ending in XXXX and never received the merchandise. I filed a dispute and was told by the merchant they if issue a refund only if I removed the dispute. I removed the dispute and the merchant now will not issue a refund. I have tried to reopen the dispute with Chase Bank and they are stalling. I have sent them all the documentation between me and the merchant showing the merchant promised a refund and asking me to cancel the dispute which I did.
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX have accessed my credit and listed the legal permissible purpose for its collection efforts. I have written the company and they have refused to provide any information about the debt it is allegedly collecting. I filed a complaint against XXXX who responded to its CFPB complaint that it had tow open accounts, however, they too have refused to provide any information about the accounts reported to the CFPB. The complaint number is XXXX about XXXX XXXX XXXX , XXXX. Both XXXX and McCullough are repeatedly checking my credit but do not provide any information to me concerning the alleged collection efforts. I have mailed the request to XXXX XXXX bar number XXXX. I believe it is a debt collector law firm by definition ; similar to the XXXX XXXX XXXX law firm that CFBP recently sued in Federal Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which are being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XX/XX/XXXX about the investigation of the following accounts : Collection, XXXX, XX/XX/XXXX, {$880.00} Collection, XXXX XXXX, XX/XX/XXXX, {$320.00} Charge-Off, Credit Card XXXX XXXX XXXX XXXX {$5300.00} Charge-Off, Loan, XXXX XXXX XXXX, {$640.00} , XX/XX/XXXX, opened XX/XX/XXXX Late Payments, Unsecured Loan XXXX XXXX XXXX {$9000.00} , XX/XX/XXXX Late Payments, Auto Loan XXXX XXXX XXXX {$19000.00} XXXX XX/XX/XXXX I still have not received any resolution.
Product: Student loan

Constantly being steered toward forbearance instead of IBR. I 've never missed a payment, been paying about 5 years. Over the last 5 years I 've learned this company is incredibly difficult to communicate with, and when you do get someone on the phone they are often not knowledgeable and less than helpful. However, the most recent customer service issue is why i 'm writing this complaint. I reapplied to IBR again ( no thanks to Navient ) about a month or so ago. I received confirmation that i had completed the application and also received an email stating my new payment.This morning I got another email from them stating my payment would increase soon? They had not in fact processed my application. When i called to get it straightened out the rep once again just tried to steer me into forbearance without even mentioning that it would cost me even more over the long run. they 've done this multiple times and i had to learn the hard way that forbearance is not just a " break '' from payments but actually costs quite a bit over the life of the loan. The rep was little help, telling me the IRS must have been down when i submitted my IBR this year ( not what they 're email to me says ) and i would need to send my stuff back in, and cross my fingers that it will " process '' by the time my next payment is due ... or just go into forbearance. It is little wonder why these guys are being sued for pushing that option. I asked to speak with a supervisor. I was told none were available, but they can call me back when they are available. All day long i waited on a word from a supervisor at Navient ... nothing. Not that i 'm surprised based on the level of customer service I 've received from day one. However, i think it should be noted that these guys are actively pushing people into forbearance options while making it sound like its no big deal ... and they 're customer service is the worst. I mean, literally, the worst. I have never gotten to the point where i expect soooo little from a company and they still manage to disappoint. hats off to you Navient.
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 confidentially under 15 U.S.C 1681 here are a list of accounts and wrong addresses that violated my privacy... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove these addresses i have no knowledge of theses addresses...

These accounts and wrong addresses have 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, IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681 C ( A ) ( 5 ) SEC STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C 1681 S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATIONIS IN ACCURATE, PLEASE REMOVE THESE ITEMS OR I WILL BE INVOLVING MY ATTORNEY...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX # # # # # # XXXX, XXXX XXXX # # # # # # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  CHAPTER XXXX BANKRUPTCY 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
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 an address fraud on their platform, leaving my account vulnerable and unprotected. further more their dispute resolution process was unfair and deceptive as they did not comply with resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E these actions have caused significant inconvenience in financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and previously informed your agency on XX/XX/year>XXXX  about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.

"
Product: Debt collection

I reviewed my credit report in XXXXXX/XX/XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to XXXX XXXX  XXXXXXXX XXXX. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. They are claiming that I owe on medical debt and during the time they report that I owe on this debt I had XXXX that covered my medical visits and costs. This letter was sent XX/XX/XXXX and I have not received a response to date.