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

I have an auto loan with Wells Fargo for a XXXX XXXX XXXX. They charged me XXXX fees for not having insurance coverage even though I have maintained full coverage for the entire period of the loan so far. When I refused to pay the extra fees, they began applying my monthly payments to the erroneous fees and then charging late fees. Finally they have charged off my account and will not correct their errors despite over 10 phone calls, email exchanges and discussions through the mail. They are also inaccurately reporting the incident to the credit bureaus, which show that I have not been making payments even though I make the agreed-upon payment ( from the initial contract for the auto loan ) every month and have never missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  reporting as a balance is owed for The XXXX XXXX XXXX
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 168b permissible purposes of consumer reports. 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. 

Inquiry : XXXX Inquiry : XXXX XXXX  Inquiry : XXXX XXXX  Inquiry : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Debt collection

This call was from the same number that I reported on XXXX/XXXX/15, reference # XXXX. They say I have to call them immediately because I am in trouble because a complaint has been filed against me. They will not identify themselves properly & I have received no such notices in the mail according to Fair Debt Collection Practices Act. They are leaving a different number to call this time ( XXXX ) XXXX XXXX XXXX. But, their caller ID is the same as before ( XXXX ) XXXX XXXX & when I called that number it eventually picked up on a voice mail saying it was STP Management Group. Other complaints against them on the internet. This message was a little less nasty than before when they threatened me with going to jail.
Product: Vehicle loan or lease

I was pre-approved, signed documents, and picked up a payment voucher for an interest rate of XXXX for 60 months with Navy Federal Credit Union for a new automotive purchase up to {$35000.00}. The pre-approval did not specifically state it had to be a car. After I purchased the motorcycle, I got the finalized loan documents stating my interest rate now jumped from 2.69 % to 8.90 % for a loan amount of {$27000.00} and my monthly payment jumped from a little over {$400.00} a month to {$580.00} even though my documents show 2.69 % and I did not agree to or sign any paperwork for 8.90 %. 

I called Navy Federal and they stated since I bought a motorcycle and not a car the 8.90 % was the best they could give me. Now I am stuck with a loan at a higher percentage with a monthly amount that I can't afford and I can not return the motorcycle to the dealership. This puts me in financial hardship that I did not create myself. 

This is very misleading and fraudulent behavior from the credit union to provide you approval and have you sign documents agreeing to a lower percentage then later having you involuntarily commit to paying a significantly higher interest rate for their profit.
Product: Credit reporting or other personal consumer reports

My personal information has been exposed in data breach under the FCRA LAW i want my credit report Cleared XXXX, Equifax, XXXX
Product: Credit card or prepaid card

I am not certify the way that big company came out with there final results the why 1.It is true that the Address, Id, phone number, is main but during the process of me to get the TD BANK/TARGET CREDIT the company have to call the number and make sure that their are issuing the credit card to the right person if you make a call I will answer the call since I am holding my cell phone at hand right in-front of you or I may answer you from far away since I am not the right person .did you do that? 
2. Try to check my credit payments 3. I have never ever used store credit card except XXXX credit card 4.Also I want to know how many times I used the credit card for purchases 5. How long do I pay the the card.
Product: Student loan

I have been paying a {$30000.00} consolidated student loan since XX/XX/01. 18 years and 2 months. 

I recently calculated my payments using the Navient Account History for the Life of the Loan. I have paid {$52000.00} ; {$18000.00} in principle, and {$33000.00} interest. 

Navient says I still owe them {$20000.00}.
Product: Mortgage

mortgage co. foreclosed on our home without any knowledge to usi have tried to find justice before, only to receive spread sheets from mortgage coco. instead of directing the issue, that we were mislead and deceived. we could n't fight fight what we could n't see coming.. is there justice for us? I have a letter and documents attached.
Product: Credit reporting or other personal consumer reports

I noticed the problem in XX/XX/2024 Hard inquiries XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late as reported in TransUnion. Lets correct this immediately. TransUnion is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I wanted them to remove the closed accounts from my credit report
Product: Credit card or prepaid card

XXXX XXXX mistakenly refunded {$1000.00} to my closed US Bank credit card ending in XXXX on XX/XX/XXXX XXXX This was a partial refund for our year insurance premium, the original bill was paid with my Wife 's XXXX XXXX XXXX returned the XXXX to the wrong card on file ( US Bank card XXXX ).. I contacted Us Bank on XX/XX/XXXX in regards to this issue, they stated they had kicked back the {$1000.00} to XXXX the same day on XX/XX/XXXX XXXX. Us Bank would not supply me with proof in writing that they had refunded the money directly to XXXX I continued to call US for written proof for almost two weeks since XXXX has no record of refund.. Finally on XX/XX/2022 Us Bank say they have had the funds all along and they're just sitting on my closed account.. They refuse to issue a refund to XXXX or mail me a check so I can settle up with XXXX XXXX This matter has been sent to collections by XXXX and needs to be remedied sooner than later.. US Bank Refuses to commit to when a refund will be issued and just says call back next week for an update .... How can a bank just sit on funds for over 6 months??
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection company, XXXX XXXX is showing opened account date of XX/XX/2018. This is not correct as that is the date the debt was purchased from XXXX XXXX XXXX XXXX XXXX. Additionally the amount is incorrect. I have requested this be corrected but it has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another request 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, please delete the noteworthy of any information in my credit record that came about due to an alleged fraud. Please delete the following items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX  XXXX XXXX Balance Owed : XXXX ; XXXX  XXXX XXXX XXXX Owed : {$4400.00}.
Product: Debt collection

Received a voice mail from XXXX phone number XXXX where it implied that further measures would be taken. Verification of employment implies that possible lawsuit and garnishment would happen. I believe this practice is abusive and should not be done as such.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) for 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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, on account number XXXXXXXX XXXX on account number XXXX XXXX XXXX XXXX on account number XXXX have been reporting false information on my XXXX credit reports, which have prevented me from obtaining credit from other companies and/or the correct credit score/report. 

In accordance to FCRA 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose XXXX XXXX account in question has been closed sincXXXX XXXX and all reporting data since has been incorrect. It is too old to be reporting to my credit report. it has been currently updated on my Experian report as XXXX late payments and the current past-due balance of {$820.00}. There can not be an owed balance or late payments reported when the account has been closed since XXXX  The XXXX XXXX XXXX account has been closed since XXXX and is too old to still be reporting to the credit companies and on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below DOE XXXX XXXX Balance Owed : $ 0- DOE XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has verified inaccurate information about a XXXX XXXX XXXX account on my credit report without providing clear evidence or explanation on how it was verified. This violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Mandates credit bureaus to conduct a reasonable investigation and verify the accuracy of disputed information.

15 U.S.C. 1681e ( b ) : Prohibits reporting inaccurate information known to be unverifiable. 
Despite multiple disputes, TransUnion has continued to report this inaccurate information without obtaining proper documentation from XXXX XXXX XXXX or explaining their verification process. This failure to comply with FCRA not only damages my credit but also erodes trust in the dispute resolution process. 

If TransUnion can not demonstrate compliance by providing evidence or a detailed explanation of their verification process, I request that this account be immediately removed or corrected.
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. XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things that were incomplete and not accurate. 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 reporting, credit repair services, or other personal consumer reports

XXXX  XXXXXXXX XXXX Opened fraudulently XXXX XXXX XXXX now was handed to XXXX XXXX XXXX. 
Open fraudulently on XXXX of 2020 per the last credit report. 
Chase bank checking account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage payment was returned for insufficient funds for XXXX, XXXX, and XXXX of 2022. Each time a revenue generating fee was assessed for insufficient funds in addition to a late charge. Due to three payment bouncing in succession, a bad check stop was placed on my mortgage. The bad check stop prevents me from making payments with autopay, via the automated telephone service, or online. The options provided at this time are XXXX XXXX, certified check, or wire, each of which come with a fee and time out of my day. This is an unfair practice. I was assessed fees for the bounced check and late payment, why am I also being penalized by blocking all standard payment options? 

The note I signed for this mortgage didn't not indicate a bad check stop would be placed on the account for 3 bounced payments in succession.
Product: Debt collection

I have been harassed by MACYS about a debt I do not owe. They have contacted me at my place of business which is out of order. They are in violation of several US Codes. In the attached Exhibits you will see MACYS is in Violation of 15 USC 1692b. ( 5 ), 15 USC 1692d. ( 2 ), 15 USC 1692b. ( 2 ), and several others. Attached you will find mailed copies from me the consumer, to MACYS stating I do not owe this debt, a cease and desist, along with Exhibits A and B, with their USC violations. There is an Invoice attached for {$8000.00} due to the criminal and civil negligence on MACYS behalf. I would like for MACYS to stop contacting me in regards to this debt that I do not owe, and pay me for the multiple violations giving to me under under 15 USC 1692
Product: Debt collection

I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by XXXX and XXXX because it was deemed fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the rights to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2. It also states the consumer reporting agency can not furnish a account without my written instructions to do so.
Product: Credit card

I tried opening a Discover It card based on the promotional terms including 0 % interest for 15 months and the ability to have a digital card for immediate use if approved. I was approved and was directed to the screen that said if I agree to the terms of use, I can get my digital card. I did this, then I was redirected to a screen that said I would get my card in 3-9 business days. After calling in and being transferred 5 times over 2 phone calls speaking with XXXX and XXXX they said that they had a system error and I should have been redirected to create my account and get my digital card but they could not over-ride the system and that they couldn't guarantee follow up from someone higher up due to the holidays. I would have never opened up the account or agreed to the terms if I couldn't use it as promised. Now I have a credit card opened in my name that I can't use a hit to my credit, and hours of lost time. If they can't override system errors, they shouldn't advertise certain features. Everyone should stay clear of Discover unless they want Headaches. Don't believe the terms they advertise!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under XXXX. The following items are UNKNOWN to XXXX. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX, XXXX XXXX