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

On XX/XX/XXXX I bought a car that was financed by Lobel Financial. Financed price was XXXX which totaled to XXXX if I followed the 30 total payment agreement of XXXX. In that contract I was charged XXXX for debt cancelation agreement. Once I started the payments Lobel Financial added XXXX to my original balance for LDW coverage for lack of insurance. My payments of XXXX increased to XXXX, XXXX extra billed monthly for 30 months ( XXXX ). I made a total of 10 payments equaling to XXXX including the XXXX agreement. My payments were due on the XXXX of every month. According to the XXXX agreement Lobel had 10 days from the day I went delinquent to revoke the service. I notified them that the cars engine gave out and they assigned my car for repo on XXXX which was before the 10 days of delinquency. My original balance if I followed the 30 month payment plan was XXXX but was increased to XXXX due to the XXXX premium of XXXX. I paid a total of XXXX in XXXX premiums. My debt should have been canceled as per the agreement. They refunded me XXXX in LDW rebate but failed to refund the remainder of the XXXX that was added as the XXXX premium totaling to the XXXX originally added. They charged off my account including LDW premiums but failed to provide me with the coverage. Lobel financial was sued by the CFPB in XX/XX/XXXX for charging premiums after delinquency but not providing coverage. I fall under the class action lawsuit and I would like for this debt to canceled and removed off of my credit report. This practice is unfair under the CFPA. Lobel Financial also violated FCRA by reporting incorrect balance.
Product: Mortgage

Bank of America has imposed a litigation management fee for no reason. The fee is {$1000.00}. The fee has no explanation, no notice. I never received any notice that a fee was being imposed and question whether this was a fee imposed as a result of my MANY complaints filed against Bank of America. I called and spoke with a customer rep who informed me that she believed this was a XXXX fee but couldnt explain. I do not pay a XXXX fee. There was no explanation provided on any document. My invoice has the line item mixed in with other activity without any explaination. I asked to be transferred to XXXX XXXX my customer service rep but was transferred to the automated line. I truly believe that this fee was imposed as a result of my many complaints. I will not pay this fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the data breach settlement with Experian. On my report they claimed that I was awarded four different monetary amounts : {$2800.00} on XXXX, {$2400.00} on XXXX, {$1400.00} on XXXX and {$1000.00} on XXXX. This was posted on my Experian report and yet I have not received any of this settlements payouts. I have been trying to speak with a live person but, only get their recorded messages. I would like to know where this money is and how to obtain my settlement? 

Thank you for your assistants in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX/ Hard Inquiry These accounts do not belong to me. This dispute is not being used as a form of credit repair.
Product: Credit reporting or other personal consumer reports

I HAVE FILED A FTC IDENITY THEFT REPORT FOR THIS THE FOLLOWING INQUIRIES WHERE NOT AUTHORIZED BY ME. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

In response to complaint XXXX My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against WORLD FINANCE CORPORATION for committing identity theft. I have never given WORLD FINANCE CORPORATION any permission to use any of my identifying information to commit mail and tax fraud by contacting me about an alleged debt they claim I owe. 
The definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. 
In reference to IRS publication 4681 Cat. No. XXXX, a canceled debt must be reported as gross income on your tax return. It is unlawful to report income to my consumer report. 
I am aware that if the canceled debt was not more than {$600.00}, World Finance was still required to report the debt as income to the IRS. 
Also note that if World Finance Corporation has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. I never received a 1099c from this company and it is my belief that they are attempting unlawful extortionate means. 

I am legally refusing to pay this debt pursuant to 15 usc 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until WORLD FINANCE CORPORATION can provide me with sufficient documentary evidence, that I have any legal obligation to pay them. If this documentary evidence can not be produced and WORLD FINANCE CORPORATION continues its collection efforts, I will file for litigation for actual damages caused and WORLD FINANCE CORPORATION will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX
Product: Student loan

I filed for bankruptcy XXXX of XXXX. A stop was placed with all creditors around this time. During this time, when I logged into AES to confirm the stop hit the account, I was greeted with an automated message clearly as day stating that they received notice about my bankruptcy and that any payments during this time would be voluntary and that AES was not asking for payments. I also had private loans through XXXX and was met with similar messaging. In XXXX of XXXX, it was reported to my credit bureaus that I was late on my AES loans ( 2 of them ) in XXXX and XXXX of XXXX - months after I filed my bankruptcy. I disputed with both AES directly and XXXX directly and was denied. I was mislead by my account status saying no payments were due as well as when I called in they also verbally stated the same thing. XXXX and other agencies ( that were not to be discharged ) didnt report me at all. Only AES. I have proof of what I submitted via their dispute center and also the communicate between my lawyer and I regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bankrupcty needs to be removed the case was dismissed. Further I asked the credit bureau their process of verification since the XXXXS courts do not report to credit bureaus they did not respond. This has been an ongoing problem with Transunion and they continue to unwilling removed the errounous information. This banruptcy is not in non of my other credit reports this is hindiring my credit scores and lifetime
Product: Checking or savings account

On XXXX Chase bank once again removed money from my checking account without permission and/or without Cause. 
Chase Bank as they did last year took {$53.00} from my checking account for Safe deposit rent. 
I DONT HAVE A SAFE DEPOSIT BOX!!! 
I called Chase Bank customer service and was told she couldnt refund my money. 
I asked to speak to a supervisor and was advised by the supervisor that someone would call me back. 
This is THEFT.
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report on XX/XX/2024 and found some information that appear to be incorrect. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. TransUnion continue to report inaccurate information without the consumer permission. And one more thing according to 15 USC 1681s-2 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. These accounts are not complete and inaccurate. 
I am writing to dispute the XXXX XXXX bankruptcy listed on my credit report. The bankruptcy was filed on XXXX XXXXunder case number XXXX. However, I would like to bring to your attention that this XXXX XXXX  bankruptcy has been dismissed by the court. 

As a result, this bankruptcy entry should not be included on my credit report. The dismissal of the XXXX XXXX bankruptcy means that it was not completed and should not be considered as part of my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain accurate and up-to-date information on consumer credit reports. The inclusion of this dismissed bankruptcy entry is misleading and negatively impacting my creditworthiness. 

I kindly request that you investigate this matter and promptly remove the inaccurate bankruptcy entry from my credit report. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of the dismissed bankruptcy entry from my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

This is now the second complaint I am filing against this company. This company stated in the last response they sent validation many times to addresses that are NOT known to me and spoke with me which I NEVER re call ever speaking with ANYONE. I am requesting FULL VALDATION, signed authorization be sent to me through the CFPB portal which can be uploaded so I can review the information
Product: Credit card or prepaid card

I am on XXXX and was receiving XXXX every two weeks. I am suppose to get money deposited to my EDD debit card. I should have received one on XX/XX/XXXX, and another XX/XX/XXXX. 
My name is XXXX XXXX. XXXX. Address XXXX XXXX XXXX XXXX, Ca XXXX. 
Thank you.
Product: Credit card

I have maintained timely payments on this account without any delays. I am confused by the late payment remarks on my accounts. Under 15 USC 1666b, any billing errors should be rectified.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditors ( XXXX ) Account number XXXX, ( XXXX ) acc ending XXXX, ( capital one auto ) XXXX ending XXXX has violated my Rights. Under Act 15 U.S.C 1681 section 602 says " 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 ''. Under 15 U.S.C 1666 B. '' A creditor may not treat a payment on a credit card account an under an open and consumer credit plan as late for any purpose ''. Thus shall be updated immediately according to ordinance stated above, Thank You
Product: Credit card or prepaid card

Fraudulent charges were made to my credit card and the Capital One is holding me responsible for the fraudulent charges. 
The fraudulent charges were made in XX/XX/2020. I have notified Capital One in writing of my dispute but they are still saying the charges are mine. 
There are {$1600.00} in fraudulent charges. I've disputed the charges by phone in XX/XX/2020 and in writing on XX/XX/2020.
Product: Student loan

Nelnet has reported to the credit reporting agencies my monthly payments for my public student loans have been late since XXXX, XXXX. 

The US Department of Education COVID-19 Forbearance Program requires public student loan payments to not be reported late and be subject to forbearance until XXXX, XXXX. 

Thus, Nelnet is wrongfully reporting my monthly public stunt loan payments as late.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2021 I send a money transfer in the amount of {$170.00} by MoneyGram to a person in XXXX. 
The money transfer has never been picked up. 
On XXXX XX/XX/2021 I call MoneyGram to their phone number XXXX XXXX XXXX XXXX I talk to a representative for 16 min. answering all kind of question not related to the money transfer, At the end of the conversation the representative told me that a manager will call me within the next hour. 
That never happen.
Product: Checking or savings account

Im writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees Ive incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX there XXXX no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit card

I was never sent a credit card bill for my purchases. Multiple months of late fees and interest accumulated. I finally found the bill as I was updating my address. Citicorp told me I placed a " cease and desist order on my phone number, which is untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid-XXXX and again in mid-XXXX I used the official annual credit report phone number to order a free credit report from Equifax. I never received the free credit report or an explanation of why it wasnt delivered. Ive used this method for years and never had a problem. Can someone please tell me why Im not getting my free credit report?
Product: Credit reporting or other personal consumer reports

I attended XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX, GA, and moved to XXXX, GA within three months of starting the XXXX XXXX XXXX When the school moved from XXXX, GA to XXXX, GA they indicated that they had misplaced all of the school documents and we needed to complete all documents and " sign only '' for our financial aid report. We were also told that the school lost its accreditation, and they were in the process of separating from the affiliate school in XXXX, TX. All students would be refunded any fees associated with any hardships they faced while trying to obtain documentation to show the Department of Education that they met the requirements for the program. This process lasted so long that we were told we had to complete our externship and for us to transfer any credits to another institution we would be charged for the entire program. They kept gaslighting us with promises of correcting the issue and everything would be taken care of. I completed the program entirely in XX/XX/XXXX, they signed another financial aid document again when I was no longer at the school. From XX/XX/XXXX to XX/XX/XXXX, I did not attend any classes at the school, and we were told that if we completed the course we had to wait until XX/XX/XXXX to officially graduate because they did not have enough students to perform a graduation ceremony. 
It wasn't until I started to register for school in XX/XX/XXXX, that I became aware of all of the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX had filed for in my name during the program ended. I traveled back to XXXX, GA to figure out what was going on they had moved from XXXX to XXXX, GA, they had changed the curriculum, and none of the financial aid faculty was at the school, one of the professors was now the Dean of the School ( which he was aware of the fraud that was going on ). I asked for documents showing where I had permitted them to apply for financial aid, how I was charged for a program when I had already completed the program, and why were documents showing where I was charged for the program when we were told back in XXXX that we would not be charged because of the separation from the school and the loss of accreditation. 
I filed a complaint with the Department of Education about the school and nothing was reported back. The school closed due to fraudulent activity, and they could not show students accreditation and no credits could be transferred to another institution due to mishandling of student information.
Product: Credit reporting or other personal consumer reports

XXXX submitted a 1099 C to the IRS evidencing them discharging the debt for the full amount in which I received a copy B. I supplied this 1099 C Copy B with Experian on XXXX XXXX I was advised it would take 24-72 hours to update the changes. On XX/XX/XXXX XXXX was removed from however Experian said they could not and would not remove the other 11,000 despite me supplying them with proof ( 1099 C copy B ) that the debt was discharged. I tried talking to 3 or 4 different agents and a supervisor. None of them were willing to help or allow me to explain what a 1099 C is.
Product: Debt collection

I purchased a Fridge ( kitchen appliance ) from XXXX, who had a lease agreement option called XXXX. I paid all my payments in full and they kept taking money, XXXX XXXX was then involved, they are the original creditor, they called, harrassed me daily for months, took money out of my account, kept taking money out of my account, the bank couldn't do anything about it because XXXX stated it was a legitimate debt. It was not. 
Payments below {$91.00} XX/XX/2017 {$91.00} XX/XX/2017 {$91.00} XX/XX/2017 {$91.00} XX/XX/2017 {$91.00}XX/XX/2017{$100.00} XX/XX/2017 {$82.00} XX/XX/2017{$180.00} XX/XX/2017 {$91.00} XX/XX/2017 {$91.00} XX/XX/2017 {$91.00} XX/XX/2017 {$410.00} XX/XX/2017 ( I was told I was buying out the contract agreement ) That no Money was due after this last payment {$180.00} XX/XX/2017 ( They took this without my knowledge when I learned what they did they said it was the buyout fee... I stated on XX/XX/XXXX i was told i was buying out the contract, they said this is the last fee ) {$120.00} XX/XX/2017 ( They took this after I verbally told them they could not ) {$200.00} XX/XX/2017( Once again they verbally were told to not take anymore money from me & they did. I spoke with management I was assured My agreement was paid in full {$200.00} XX/XX/2017 ( They continued taking payments ) {$200.00} XX/XX/2017 ( I asked if i could bring the product that i originally purchased back told them this was complete bull XXXX that they were stealing from me and committing fraud ) {$320.00} XX/XX/2017 ( Was contacted to pay off unit I said I already have, they took this payment without my permission ) {$100.00} XX/XX/2017 ( Took more money from me with out my permission on the same day ) I finally got smart changed banks and cut off that card. they continued trying to take payments but it was a dead card. 
XXXX then sold my account to Security Credit Services , LLC and now they are being awful about all of this wont let me speak to upper management, told me & my husband we are not important enough to speak to her superiors ( she was a supervisor ) They wont help, they wont acknowledge my emails, or calls, they reported to the credit bureaus that i owe XXXX I owe nothing, infact they owe me, they scammed me, and they committed fraud by taking money without my permission even after I told them they couldn't. Please help. This is negatively impacting my credit score, it has caused -me to have high interest rates, lower credit score than what i should. 
My number is XXXX
Product: Credit card

I have been trying for over a year to get credit protection they just keep saying they will call me back I have put in multiple complaints with wells Fargo
Product: Credit reporting or other personal consumer reports

I was a victim of Equifax Data Breach delete this account immediately
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24hours stating the account is accurate, without providing any evidence of a through investigation. this practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene Consumer Financial Protection ACT ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation.

Accounts include : XXXX XXXX  - Amount {$1800.00} XXXX XXXX  - Amount {$920.00} XXXX XXXX  - Amount {$1300.00} XXXX XXXX XXXX- Amount {$810.00} XXXX XXXX XXXX ( XXXX XXXX ) - Amount {$110.00} XXXX XXXX - Amount {$2100.00} XXXX XXXX XXXX XXXX - Amount {$15000.00} XXXX XXXX Amount {$2100.00} XXXX Amount {$2.00}, XXXX XXXX XXXX XXXX - Amount {$910.00} XXXX Paid/Closed XXXX  XXXX Amount XXXX Amount {$21000.00} XXXX XXXX XXXX XXXX XXXX