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

Leased vehicle on XX/XX/XXXX. Made 19 monthly payments ( inclusive of the initial payment due at lease signing ), through XX/XX/XXXX. <P/>On XX/XX/XXXX vehicle was struck and rendered a total loss. <P/>On XX/XX/XXXX was contacted by the insurance company of the party at fault and was offered {$14000.00} which they said would satisfy the lien holder, VW Credit. I rejected their offer explaining that the vehicle was worth several thousand dollars more. Money which I had put down in order to lower the balance and resulting monthly payments. <P/>On XX/XX/XXXX I contacted VW Credit to advise of the situation at which point they advised me that they had ( on that date ) just issued a loan payoff letter guaranteeing title to the insurance company in return for the {$14000.00} offered ( and earlier rejected by me ). I asked how I would recoup my investment at which point they very abruptly answered " we 're satisfied, you 'll need to take up your concerns with the insurance company. '' On XX/XX/XXXX I contacted the insurance company and again disputed the amount of the settlement. I was advised to provide comparables supporting my claim of the vehicle 's value. I gathered and provided the comparable vehicles, as instructed, on that same date. <P/>On XX/XX/XXXX the insurance company finally conceded that their initial offer was erroneous and modified their offer to {$17000.00} plus taxes ( {$1200.00} ) and fees ( {$18.00} ), totaling {$18000.00}. <P/>I accepted on the premise that the amount offered {$18000.00} less the payoff of {$14000.00} would return to me {$4200.00} which was approximately the amount I paid into the lease at the start. <P/>I was then advised by the insurance company that the payoff amount had increased to {$15000.00} reducing the balance payable to me to {$2700.00}, a difference of {$1500.00}. I asked them to explain the increase in the payoff amount, which they could not. We contacted VW Credit together and was told plainly that if the insurance company had agreed to pay more then they wanted to collect more and therefore refused to honor their original payoff ( again, which was offered in writing ) of {$14000.00}. <P/>The insurance company ( indifferent to who they pay ) has since satisfied VW Credit in the amount of {$15000.00} and issued to me a check in the amount of {$2700.00}, effectively removing themselves from the dispute. <P/>VW Credit openly acknowledges that their demand of {$15000.00} represents the full balance of the loan ( {$13000.00} residual, plus 17 remaining payments of {$140.00} ) with no discount for unearned interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Navient on 2 occasions, XX/XX/2018 and XX/XX/2018. Over the years I have taken several student loans all the way through XXXX  school. Each one of the loans showing as an individual account on my credit. Navient ( loan servicer ) failed to disclose my ability to consolidate and my rights to a forbearance or alert me of deadlines. I told them that I couldn't afford the {$2000.00} per month payment and never did they tell me I may qualify of Income Repayment. It wasn't until I reached out to XXXX XXXX that took care of all of this for me. They consodolidated my loans, put me in a forbearance and once that was done, my payment was {$260.00} per month. It is because, Navient failed me as a lender that because of the alleged 8 payments they claimed I missed, that I have over 160 late payments with them across 20 individually reported accounts. I reached out to Navient and the credit bureaus, as the loan reporting is very sketchy. Some months they don't have any reporting at all. I have only had success with XXXX. Navient has been paid. Navient should take ownership of their terrible lending practices of reaging my account by applying {$1.00}. Payments to borrowers loans so they never age off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had opened Capital One Business credit card to finance my new business in XX/XX/2016. Business did not start too well, and I got late on my credit card payments. Once, my bank had returned the payment I made to Capital One, and Capital One soon after closed my Business account ( as charged-off ). A year or so later, I am in a better position financially wanted to pay off my balance to Capital One. I called to make a payment in full for the balance on the account, and was rerouted by an automatic service to a Law firm, supposedly Capital One had send my account to them to collect the balance owed. I never signed an agreement or opened and account with the law firm, so I had no interest in discussing my balance with them. I called Capital One, and after 2 hours on the phone and 5 transfers to different representatives, I finally had a conversation with a business account manager and was told that they will not accept my payment because the account was forwarded to law firm. The manager REFUSED to accept my payment that I was willing to make to the creditor I made an agreement with and opened an account - Capital One. I disputed this with XXXX as an account that no longer belongs to me, due to Capital One refusing to take my payment, which resulted in " account confirmed "!!!! I am furious because Capital One refused to accept my payment and XXXX did not remove the account from my file. Please help!
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 account from XXXX XXXX XXXX with account number of 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

Good day! 

I received a letter 2 days ago about a debt collection from a law firm name " KENOSIAN & MIELE, LLP '' saying I owed {$8800.00} from their client XXXX XXXX XXXX XXXX. From the letter its saying Original Creditor is with XXXX XXXX. 

They are asking me to call them within 10 days to settle the balance that I do not owed otherwise they will be forced to send me a court order or legal action. 

First of all, I never had an account with XXXX XXXX. 
Second, The letter doesnt look legit, its just a piece of paper without any seal or anything on it. So Im thinking it could be a scam or phishing. 

I attached the letter on this report for your reference. 

Please help me report this and figure out whats the best action towards.
Product: Checking or savings account

On XX/XX/2019 I called USAA because the week before I had chatted with someone online about fee 's that were charged to one of my checking accounts. During the chat he had opened an investigation to stop these payments ( as I was under the impression ) I had never heard anything back about the investigation on those specific fee 's. The fee 's were charged by companies I had changed my bank account info over to my new bank account. During the call with the executive resolution department on the XXXX He credited back those fee 's and moved the money back over to my account. He also gave me a {$100.00} credit for a pending debit transaction which was later removed again out of my account for some reason. Another one of my accounts that should have been closed over a year ago was still open so he closed that account. I was also under the impression my other account that was getting charged these NSF fee 's would be closed as well and the fee 's would be credited back to me. He could only credit the ones that had been charged to me as of that day which he did. 
Today XX/XX/XXXX, I'm looking at that account and I see it's still open and has been charged numerous NSF fee 's. USAA has taking {$190.00} out of my current checking account that I use to cover that negative balance which has in return caused me to not be able to pay my bills with that {$190.00} shortage in money now. 
This account should have been closed and any additional fee 's should be credited. 
Today XX/XX/XXXX I called and spoke to someone else in the resolution team who told me I am at my limit and they do not see this account should have been closed when in fact I was under the impression it would be and no more fee 's should be charged. 
USAA has failed me as a customer and has now caused me to not be able to pay one of my bills that I have to pay with them taking {$190.00} out of my bank account to cover a negative balance that shouldn't have been charged anyway since the account should have been closed.
Product: Debt collection

FJS Global in XXXX, Wy has contacted several time about a debt they say was turned over to their company from XXXX card services. I contacted XXXX card services myself. They stated that theyve never had or have now an account ( charged off or active ) in my name. Theres nothing on my credit report showing that debt. Ive spoke with FJS Global and requested information on the debt but they continue to harass me to pay the debt which is over {$3000.00}. Ive also written a letter and mailed it to the address on the website and have yet to receive a response. I have never received any written notification by mail for the debt. The phone numbers theyve contacted me from are as follows : XXXX, XXXX, XXXX and XXXX. How do get the information on the debt and how to I get them to stop harassing me? Thank you for your time.
Product: Mortgage

Megastar Financial fails to host and maintain a functional website that allows customers to pay their mortgage on time or even at all. The website puts end user into loop where you can attempt to reset password and it works. Then after login it fails to recognize the user. This company is a failure.
Product: Checking or savings account

I went today XXXX to close out the account with a branch manager and he couldnt close it and give me my funds of {$2700.00}. He called risk dept and advised me they will not release the funds so they can keep charging me overdraft fees so they can get more money out of me. So he advised to call and also advised me they will keep charging me overdraft fees till the XXXX to get money off me so it can pay their paychecks. I have also received a letter that my account will be closed because a check did not clear due to insufficient funds. 

I have posted a screenshot of my current account as well.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Incorrect Information on Credit Report and Lack of Resolution from Experian ( CFPB Complaint ID : XXXX ) XXXX XXXX Account # : XXXX Account Type : Revolving I am writing to formally lodge a complaint against Experian, one of the major credit bureaus, for failing to address incorrect information on my credit report as required under the Fair Credit Reporting Act ( FCRA ). This issue has caused significant distress and disruption to my financial life, and I have yet to receive a satisfactory resolution despite submitting a dispute to Experian on XX/XX/year> ( CFPB Complaint ID : XXXX ). 

Background of the Issue : On XX/XX/year>, I submitted a dispute to Experian regarding inaccurate information on my credit report. Under Section 1681 ( c ) of the FCRA, credit bureaus are required to maintain accurate and complete information. Additionally, Section 1681 ( b ) mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Despite these legal obligations, Experian has failed to correct the inaccuracies on my report. 

Specific Concerns : Incorrect Information : My credit report contains inaccurate information that is negatively impacting my credit score and financial opportunities. 

Discrepancies Between Credit Bureaus : There are inconsistencies in the information reported by the three major credit bureaus ( Experian, XXXX, and XXXX ). These discrepancies further highlight the lack of accuracy in my credit reports. 

Violation of FCRA Timeline : Experian has exceeded the 30-day timeframe mandated by the FCRA to investigate and resolve my dispute. 

Enclosed Documentation : To assist with your investigation, I am including updated information from all three credit bureaus ( Experian, XXXX, and XXXX ) that highlights the discrepancies and inaccuracies in my credit reports. 

I trust that the CFPB will take appropriate action to ensure that my rights under the FCRA are upheld and that Experian is held accountable for its failure to comply with federal law. Please contact me at [ your phone number ] or [ your email address ] if you require any additional information or documentation.
Product: Debt collection

We received a call from the XXXX XXXX, they claimed we committed fraud when we took out a payday loan in XXXX 2014. This loan was charged off in a Bankruptcy at the beginning of this year. They claimed they were sending the fraud case to the XXXX, we call them and they told us they would not act on anything without sending it in writing. The company was terribly aggressive for a loan that was charged off. The XXXX XXXX XXXX office told us they had several calls on this topic today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly an unpaid collection for {$5100.00} on partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account has a {$0.00} balance and was opened in XX/XX/1993. Equifax and XXXX are reporting this as a paid collection. This account is well over 7 years old and should not be reporting on my credit report. This is a violation of the Fair Credit Report Act. I have contacted the bureaus to fix these issues, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report
Product: Debt collection

The afternoon of XX/XX/XXXX I received a call from a debt collector saying they where collecting a XXXX XXXX acct from XX/XX/XXXX the girl on the phone said the acct was reporting on my credit report on and it was n't she did n't inform me that she was a debt collector and that she was attempting to collect a debt then the girl stopped talking then her supervisor can on the line and said that the girl was new and it was OK then he said the acct was n't on my XXXX and said that she was looking right at it and when I told her it it is not on XXXX she stopped talking and her supervisor came on the phone and said the girl was new reporting then said this was n't a reporting issue I let him know it was because she mislead me to think it was on my credit report so she could try to scare me into paying on this acct then His manager came on the line and said he was going to hang up on me because I was n't being professional then he put me on mute to wait for me to hang up came back to the line and was tell me to pay the acct when I started talking about how his company did n't follow the fdcpa he said he was ending the call. The company on XXXX in XXXX nc and the caller I 'd said va.
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 Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was a resident in a rent stabilized LIHTC complex and subject to the requirements of the Division of Housing and Community Renewal. There were numerous violations and because of my notifying the DHCR, the attorney general and the housing authority, the landlord refused to offer me a lease renewal and chose to file a Petition for Posession of Premises ( Holdover ) In the Petition, the Petitioner also asked the Court for " rent in arrears '' In my defense, I prsented evidence that I did not owe any rent as my rent was paid to date. In the Court 's Decision, the Petitioner was awarded a Warrant for my eviction. However, the Petitioner was not successful in obtaining a Judgment for " rent arrears. '' I suspect on the ill-gotten advice of his lawyer, the landlord decided to submit the alleged unpaid rent to a collection agency in Maryland. I received a notice from the agency along with a sheet of paper of the alleged debt which was insulting. A 5th grader could have done a better job. Nonetheless, I immediately sent a certified letter disputing such debt and asked for a " validation. '' The agency basically sent me a duplicate of the 1st version of the alleged debt. It did not have the address of the alleged creditor nor an explanation of the alleged debt. First of all, the landlord and his attorney are well aware that the Court already ruled on arrears. Next, that document is fraudulent. Lastly, landlord 's attorney either is inept or he is rolling the dice in hopes by using an agency in another state ... ... ... well just maybe he can sneak this by but even if the could possibly prevail, I am XXXX years old. NO assets, and my only income is social security! 
There are other reasons I was targeted but for one reason that was the lesser of the others was that once i no longer resided in that particular apartment, that unit then became, deregulated and THAT is the lanldord 's goal to deregulate any units that are rent stabilized! t The landlord has about XXXX of these complexes so he has quite a gig.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does not respond to any request for validation of debt so XXXX and XXXX removed. But ... .for some reason Experian can not provide this information either but reports every month as as late payment, and paste due account. Unbelievable! Account is showing it was laste in 2011 is the kicker - 7 years ago. Hopefully CFPB and get ahold of Experian and find why the XXXX this has not been removed as no one can provide any validation of what this debt is and I have provided my SSN Card and ID.
Product: Payday loan, title loan, or personal loan

Ace cash express i been having trouble paying it but i have recieved threats and i dont believe its from ace cash express
Product: Debt collection

I do not have and never signed for an account with Carter-young. If its not with the original Debtor, I am legally not responsible to pay anything to a third party to which I never signed an account with.
Product: Money transfer, virtual currency, or money service

As I own an account with Paypal and his email address is XXXX Paypal requested documents proving my activity, which is selling health and beauty products - and I submitted these documents, which are 100 % correct invoices, but I was surprised that they seized my money, which amounted to {$6200.00}. 
Unjustly, they didn't even send me one message to inform me of the reason for withdrawing the money. And that was in XXXX They will claim that I violated the usage agreement, but my documents related to my products are all in order, and I have settled all disputes with buyers amicably. Except in some cases, I was surprised that Paypal closed the dispute on his part and returned the money to the buyer and then comes to take compensation for that even though he did not investigate this It confirms the validity of the buyer 's claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian XXXX/XXXX/XXXX asking for the removal of inquiries that are on my report that I didn't authorize. 
I was told that by law unless their were a result of identity theft I couldn't have them remove. I was under the impression that credit reporting agencies or responsible for the data that they report and to its accuracy? 
The following inquiries I did not authorize : XXXX  XX/XX/XXXX received a solicitation letter from, probably the 5th one over the years but never used their service. 
XXXX XX/XX/XXXX and XX/XX/XXXX never heard of them but I was solicited about their products through an email but asked to be removed from their list and was then solicited through the mail with preapproved offers which I declined and never used their products. 
XXXX  XX/XX/XXXX I have no ideal who are wat they do but its on my report. I sent a registered letter which was returned and when I discussed forwarding it to Experian they told me not to bother. 
XXXX XXXX XXXX  XX/XX/XXXX solicited me for a credit card which they said I was preapproved for and I asked had they ran my credit and they said it was a soft pull and after I discovered it was a hard pull they closed the credit card. I never authorized a hard pull of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$0.00} XXXX XXXX  XXXX {$18000.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1100.00}
Product: Debt collection

They constantly called me and threatened to come to my place of work and my home. Told me I could go to jail if I do not pay. They called my husband and did the same and he is not on the loan. I told them to mail me information as I did not remember this debt. ( which now I do ) They never nailed me anything and have been calling for a year. They just stopped when it showed up on my credit report. They are horrible outfit and should be shut down. If they had been nice in the phone and mailed me the info on the loan, it would have been very different and never got this far. I had a bad gambling habit at this time and had at least 13 payday loans out. I settled with all of them, except this one which I thought I had settled. It was a very difficult time and I am trying very hard to get things straight. This place has caused several stressful days with their calls, telling me I owed way more than I borrowed. Spotloan only loans {$800.00}. I have paid Spotloan thousands of dollars with the outrages interest and told the collection company I would not pay any interest and I do not trust this place to say it is paid, if I did pay them. They are the devil. I had no problem with the 12 others I dealt with.