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

On XX/XX/XXXX of 2012, I went to purchase a XXXX vehicle from the dealership. I had saved up {$10000.00} to make a down payment on the car. The cost of the car was XXXX as advertised online at the time, on the XXXX dealerships website. When I went to purchase the vehicle, I was told that I would need a loan in order to complete the purchase. The dealer set me up with the finance department, and they proceeded to check my credit with XXXX. XXXX denied me for the loan, so the next step was XXXX running my credit thru the Toyota Finance department. I was immediately approved, especially after they knew that I had a substantial deposit amount. The dealership then proceeded draft up a contract. I ended up Financing the car from the dealership. I believe that I was mislead in the pricing and over charged on the interest rate. This lead to me paying double the price for a used vehicle. My initial down payment was absorbed by the company, and When interest was factored in, I would be paying the listing price. I believe that my down payment was pocketed and then the dealers calculated a rate that would end up making me pay the listed price through interest even though I had made a down payment.
Product: Credit card

I made the mistake of opening a Lowes credit card and it has been a nightmare ever since. They charged me late fees on items that were NEVER PICKED UP and Lowes was notified that I was canceling the order and now they are reporting that my account is XXXX days late? I used this card ONCE and it will NOT GO AWAY. They started me out with a {$500.00} limit and because I had not noticed that the inept people at LOWES did not process a return when they should have they reduced my limit to {$100.00} further damaging my credit. I do not owe late fees for a balance resulting from RETURNED items.
Product: Credit card or prepaid card

On XXXX i spoke with a total of 9 representatives from Discover on trying to seek an answer. The departments they were from was Account Managers and Account Opening Specialists continuing to bounce myself back and forth. I am trying to figure out if my husband and i are permanently blacklisted from ever having another Discover card again. 

My husband and I both had Discover cards in XXXX which were closed back in XX/XX/XXXX if i recall correctly, by Discover. Per a rep i was advised our accounts are marked as " Revoked/Closed. '' My husband has a XXXX balance with 100 % payments with Discover. Only remark is " Account closed by XXXX XXXX. '' I am in a similar boat only difference is i am still paying my balance off but 100 % payments made with every lender including Discover.

Any time one of us tries to apply with Discover or attempts a Pre-Qualification we receive the same denial reason " Unable to offer due to existing or prior relationship with Discover. '' I have spoken to quite a few reps and spent quite a bit of time trying to figure out an answer but can't receive a definitive answer. Are we both blacklisted from Discover now because our accounts were closed by Discover? One rep suggested applying in 7 years since thats when bad remarks fall of credit reports. However our Discover accounts never went to collections, never missed payments, weren't charged off. Just closed and either paid off or currently paying off. I called again and asked how long Discover keeps the " Revoked/Closed '' Status in their system and was advised its permanent. Essentially my understanding is we will never be able to obtain a Discover card again if i am understanding correctly.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian have refused to remove a Medical debt account from my credit reports with them, even though the account was listed as a collection accounts less than 180 days since it 1st became delinquent. The account is from XXXX XXXX XXXX ( reported via XXXX XXXX XXXX ) for {$4.00} and 1st became delinquent on XXXX XXXX XXXX. The account was published as delinquent and a collection account on XXXX XXXX XXXX, for a total of 173 days since 1st delinquency. There was a miscommunication with insurance but this debt has since been paid. I tried to dispute this account with Both credit reporting agencies ( XXXX and Experian ) but they refuse to explain why they are still listed and have not updated the actual dates of 1st delinquency and date of 1st report as a collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I retrieved a copy of my credit report from my credit report on XXXX XXXX and noticed addresses Ive never lived at.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to delayed posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially having available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handing disputes particularly in light of of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate claims adequately. They informed me that recovering lost funds was impossible and tracking funds was infeasible. The cfbhs findings indicate that Zelle has not only neglected to protect customer but has also allowed repeat iffenders to exploit the system leaving users vulnerable to Scams. This lack of accountability and transparency is unacceptable and raises concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I took a loan from Personify financials in 2018 in the amount of {$3900.00} A remaining amount of {$1300.00} was sent to a collections agency called XXXX XXXX XXXX last year. In XXXX of this year I called XXXX XXXX XXXX and they agreed that I should pay half of the {$1300.00} and the account will be closed. 

I did pay that but the full amount was still showing on my account until when I filed a complaint. Funny, enough the company has the account as still opened with an amuount of {$650.00} instead of closing the account as settled. 


I would be glad if you could help me with this issue Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus XXXX, Transunion, and XXXX pertaining to a credit card with XXXX, Account # XXXX for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that this account and the reporting to XXXX, XXXX  and Transunion are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice includes : Identification of the specific information being disputed Transunion, XXXX and XXXX reporting for Account Number : XXXXXXXX Basis for the dispute : The monthly payment, open date, high credit, last reported date, date last active, date of last payment and payment history are different and inconsistent between the three credit bureaus.

Supporting documentation : I have included the excerpts of my credit reports showing how this accounts is being reported.
Product: Payday loan, title loan, personal loan, or advance loan

A loan was taken out under my social with cashcentral.com with out my permission. According to cashcentral.com loan was taken out XX/XX/year> for {$590.00} fund got transfer to a bank account of XXXX  XXXX XXXX that I dont own. Someone is using my social security with out my permission.
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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Ad Astra Recovery Services , Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Product: Credit reporting or other personal consumer reports

I am wanting the inquires to be deleted they are unauthorized never told these companies to run my credit its fraudulent
Product: Vehicle loan or lease

I had a car loan with Ally Financial and I traded the vehicle right about the time the payment was due. The dealership took its time paying of the Ally when I traded the vehicle so Ally put a 30 day late payment on my credit report and when I called them and explained to them that I no longer had the vehicle the customer service representative were very rude and told me I better pay them my payments.
Product: Checking or savings account

I received an email from Fifth Third Bank offering a money market APY rate of 5.20 %. The terms of this offer stated bring XXXX into the bank by XX/XX/year>. I opened my account XX/XX/year> exceeding the required opening deposit. I received my first electronic statement for this account and the statement reflects a APY that is less. The branch manager insisted that I will earn 5.20 % in a year but when I asked her to put this in writing she refused. She then said she would credit my account XXXX for the difference in rates ; however she has not completed the deposit. I do have the original marketing offer, my account statement and a audio recording as evidence. I would like Fifth Third to hold up their end of the offer.
Product: Credit card or prepaid card

CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX XXXX
Product: Student loan

My name is XXXX ( DOB XX/XX/XXXX ). I had a student loan with XXXX and I had agreed to pay {$5.00} per month for nine months and my student loan would be forgiven out of default. My loan was then transferred to Navient and I am receiving mail from them saying I owe them money. This loan should not have been transferred and I should not be contacted by Navient. Please get back with me via e-mail at XXXX regarding this matter. I currently do not have a phone at this time and I am homeless. 

Sincerely, XXXX
Product: Consumer Loan

My wife and I took out a loan over twenty years ago with the XXXX XXXX XXXX to help our son start his own business. Interest only was paid on this note for approximately 15 years during which time US Bank purchased XXXX XXXX and our note. Our son faced difficulty in the construction business plus XXXX of his young children developed XXXX health problems. I continued to pay this note and never missed a payment, even after a terrible down turn in the economy in 2008 which affected us greatly. I am a veteran XXXX years old and my wife is XXXX. It became impossible for us to make anymore payments living on our fixed income. The note was {$120000.00} - we paid {$1200.00} per month for 180 months ( totaling {$210000.00} ) plus {$50000.00} on the principal - so over the 20 years of making payments, we have paid back {$260000.00} on a {$120000.00} note. US Bank is trying to collect an additional {$75000.00} ; however, this is impossible for us. We have attempted to settle the debt for as much as {$7000.00} ; however, US Bank will not accept what little money we have left. I do not see how this is right considering the amount we have paid on this debt, in addition to our settlement offers in good faith to resolve the matter.
Product: Credit reporting or other personal consumer reports

These accounts were specifically XXXX XXXX XXXX was removed from my credit report two weeks ago. The fact that XXXX XXXX XXXX added this ILLEGAL/FRAUDULENT account back to my XXXX report is beyond me. This account is fraudulent and illegal and needs to be removed for the last final time. THis is illegal for not only the original creditor but for the credit bureaus to remove and readd back to my credit profiles. remove this illegal account of my report for the last time XXXX XXXX Corpor Date Opened XX/XX/XXXX {$7700.00} These accounts below are also illegal and were never authorized in my name. Please remove the rest of these accounts before further action will be taken. I am a victim of identity theft. 


XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXX XXXX XXXX, XXXX {$62.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account has violated my federally protect consumer to privacy and confidentially under 15 capital USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. states that 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 your account without my written instruction.

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 items 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 the consumer to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

Regional Recovery continues to lie about their collection efforts with their most recent response on XX/XX/2022 stating : " The patient still owes the money and while we have ceased communication the client has, at no point, given us the ok to remove from her credit report for the " Malpractice Suit '' that we've not been notified of. '' You havent been notified????? What?! I have uploaded proof of letters sent to you on several occasions by my lawyer NOTIFYING YOU of litigation LAST YEAR!!! 
How in the world are you saying you havent been notified of a malpractice suit when my lawyer has sent you letters about it several times?????????? I have uploaded proof of that!!!! Why are you lying? 

I am going to file a complaint EVERY SINGLE DAY against you until you stop lying about not knowing about a lawsuit when there is proof of correspondence with you from my LAWYER! This further proves that Regional Recovery Services is continuing to use unscrupulous tactics by denying that they were not notified of the malpractice suit. 

I HAVE AGAIN ATTACHED PROOF OF CORRESPONDENCE SENT TO REGIONAL RECOVERY BY MY LAWYER TWICE THAT ALSO IDENTIFIES THEIR CLIENTS AS ORIGINAL CREDITORS. 

The case is available for you to view in XXXX XXXX Dockets for XXXX XXXX, Indiana. Please stop playing XXXX. It's asinine behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX XXXX to Validate late payments and tell me which method are they using. They have not Validated any information yet the sent a letter saying your account has been verified. 

I asked to close my account around XX/XX/XXXX or XX/XX/2019. The said if I paid {$500.00} my account would be paid as agreed Closed account on my Credit Report. I paid they {$500.00} and when I checked my Credit Report it says account Settled Less Than Amount Owed. This was a deceptive act. I would have never paid my {$500.00} if I knew this was going to happen. Everytime I call and speak with someone regarding this issue they say my account is in collections. I ask whats the name of the Collection Company?  ; no one knows. They are double dipping which is against the law and IRS standings.
Product: Debt collection

I got a call from XXXX ( XXXX ) XXXX in which my caller ID has the name Shepherd, I answered to try and see who it was. They were telling me about a loan that I took out with XXXX XXXX XXXX and then it was transferred over to XXXX XXXX XXXX. I had mentioned to them that I was in contact with the company that I originally had conducted business with and settled on a payment plan. The lady on the phone said thats not how it works and basically said that they had reasonable thought to have this case to be legally processed. I found it threatening that she would say that because I wasnt going to comply with whatever she wanted me to do. I did in fact ended up hanging up the call because I didnt want to waste my time with that anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I have moved back to the states. I opened a bank account and they said I have my personal credit information compromised. Following bank and credit instructions I wrote three certified letters and sent them out on the XXXX/XXXX/2022, to Equifax, XXXX and XXXX with a copy of my ID and copy of my SS. Although I didnt like the idea of sending all my information they said this was the only way to verify my information and solve my credit report. 
It cost me {$23.00} plus my time and frustration to send these letters proving my identity. 
Two of the credit companies have now answered me with a very poor information, no report and basically say to send the information again. Equifax which was my main concern has not answered and the letter was picked up by who knows who. 
It is unbelievable that there is no way by phone or email to find a solution and even a registered mail is not taken into a more professional consideration. 
I have been rejected by basic credit cards and I want to start building credit but I dont know how to go around this problem.

How do I get to verify my credit information when these three companies just wash their hands. Im sure Im not the first person to move back home after 20 years and want to start all over again. I have proof of everything and I want to find a solution. Thank you
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding two collection accounts listed on my credit report from XXXX XXXX XXXX XXXX and XXXX that is being reported by Equifax. The original creditor for account XXXXXXXX XXXX XXXX XXXX, states on their website that they do not report credit in Texas. I have attached this as evidence. XXXX XXXX Account XXXX : This account was never properly verified as required by law. Additionally, there is a business registration violation. XXXX XXXX XXXX is not registered to do business in Texas, and its right to conduct business has been forfeited. This company does not even have contact information, or a website so how did Equifax legally verify this account? I have attached proof of this forfeiture. Both accounts should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made Several disputes with the credit reporting agency about the account is being reported inaccurately Open. The account has been " CLOSED '' since XX/XX/XXXX. The account appeared open after a dispute of a newly added account by the collection Agency XXXX. On XX/XX/XXXX the accounts suddenly was reported to the credit bureau as " OPEN ''. I have made an dispute. My credit file was corrected, The accounts appeared Closed on XX/XX/XXXX-XX/XX/XXXX. 
On XX/XX/XXXX XXXX reported the account as " OPEN '' right after i have corrected that it was inaccurately Reported as Open. I have made another dispute.. My credit file was corrected, The accounts appeared closed on XX/XX/XXXX-XX/XX/XXXX. 
On XX/XX/XXXX XXXX reported my accounts as open again. 

What can be done here?