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

Back in XX/XX/XXXX my wife and I decided to trade-in our XXXX XXXX XXXX Coupe Vehicle and get a XXXX XXXX XXXX Lease Contract. 

We drove it until XX/XX/XXXX and decided we were paying to much for the car and the car insurance when I was not using the car as often because my new job at the time was in the city and I took public transportation to get to work ( The car was literally parked 5 days a week ). My wife and I decided to return the vehicle still in NEW condition. 

I was told because it was relatively new, I after they send it to an Auction, I was more likely to pay a small amount back, due to the condition of the vehicle. 

After a few months we notice XXXX XXXX decided to notify us that we still owe {$17000.00} which I believe is too high, considering the vehicle is a XXXX vehicle and is in great condition. To make matters worse, I was forced to re-signed at the job I had and was unable to pay that Debt and now they affected my wife and my credit score for not being able to pay that huge amount, for a car we barely used.
Product: Mortgage

This is a general complaint about the mortgage industry. As a XXXX I understand the workings but as a homeowner I am XXXX off about it also. I go to a lender to get a loan for a house, I choose a reputable company to do business with and do my due diligence in selecting a company with a good track record and customer service. Just about every company will then sell my loan to someone else to service for the life of the loan or until it is sold again. This is my problem, I have no say in who is able buy and service my loan, I get nothing but a headache when dealing with them. They do not estimate my escrow correctly and now I am hit with an additional $ XXXX/month. When they took over my loan the monthly payment dropped over a hundred dollars, so I knew this was coming at some point. It does not take a rocket scientist to look at taxes and insurance and come up with an escrow plan. But for someone on a fixed income or tighter budged could be XXXX. I cant even refinance with a good company because there is a good chance that it would then get sold and who knows I might end up with the same horrible service company I am with now. 

I think consumers should have the RIGHT to say yes or no to who services their loan. I would never choose a company with horrible service or a bad track record when it comes to escrow management. I know this will never see the light of day but as a XXXX this is a problem that needs to be addressed as the consumer has no choice in the matter and it is WRONG! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX has been disputed once more to Equifax via XXXX XXXX submitted on XX/XX/year>. I received the last response from Equifax via CFPB portal on XX/XX/year> stating that I disputed XXXX  XXXX before and this time Equifax failed to state what the results were. 
I have sent Equifax a request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) more than once demanding the procedures that were used that led Equifax to verify when they sent results regarding the prior disputes. After receiving results each time in accordance with FCRA 611 ( A ) ( 6 ) ( B ) ( iii ) I requested ALL the records that would reveal the reason my PRIVACY is being so blatantly VIOLATED but yet my disputes were verified.

Therefore, I also requested the name ( s ) of the person ( s ) that they spoke with along with their Business Name, Address and Telephone Number in accordance with FCRA 611 ( a ) 6 ( ) ( B ) ( iii ) and Equifax has FAILED each time to adhere to the requirements in accord with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) within the 15 Days required by Federal Law and Equifax sent me NOTHING and has totally IGNORED the requirements in accordance with FCRA 611 ( a ) ( B ) ( 6 ) ( iii ).

Equifax clearly violates Section 1681i.

Their failure each time could lead to my financial compensation in a Court of Law.

Equifax is the entity that is in VIOLATION of FCRA 602 which states I have a right to Privacy and FCRA 604 ( a ) ( 2 ) which states that a CREDIT REPORTING AGENCY CAN NOT Furnish an ACCOUNT without my WRITTEN INSTRUCTIONS and this is the reason I demand Equifax to remove XXXX  XXXX from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax over 60 days ago regarding some information on wanted on my credit report removed. They never replied. Then I sent a letter more than 30 days ago and still no reply.
Product: Credit reporting or other personal consumer reports

I lost my phone & wallet on XX/XX/XXXX On or about XX/XX/XXXX someone used my old affirm account, to purchase XXXX worth of items, I have had no contact with this account about a year in a half prior to the incident. Around XXXX XX/XX/XXXX I start receiving calls from the creditor in regards to a delinquent account with Affirm Inc . When I contacted Affirm inc, they launched a investigation but they have not done anything about it and now it is detrimental to my credit score that I maintain a XXXX for the last XXXX  years which is now at a XXXX. I explained to the company numerous times that I was not the purchaser and someone is using my information, I even filed a police report and disputed these items multiple times but to no avail I am still stuck with XXXX in debt. The addresses on the account look like they were switched to XXXX XXXX XXXX XXXX, XXXX Pa & XXXX XXXX XXXX XXXX Pa. I live at neither of these addresses nor have I ever been there
Product: Credit reporting or other personal consumer reports

Dear SageStream , LLC Consumer Center Support Team, I am reaching out to request an update to the contact details listed in my public records. Specifically, I would like to ensure that my current phone number is correctly added or updated in your database. 

Phone Number to Update : XXXX For your convenience, I have attached the necessary documentation to verify both my identity and my phone number. If there is any additional information or paperwork required to process this update, please let me know. 

I would appreciate it if you could process this request promptly. Please confirm with me once the update has been successfully completed. 

Thank you for your prompt attention to this matter. If you need to contact me for further clarification, I am available by phone at XXXX or via email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX
Product: Checking or savings account

I was incarcerated Beginning XX/XX/XXXX and ending XX/XX/XXXX, upon release I logged into my Chime Financial account and discovered a total of almost {$8000.00} was stolen from my account. Immediately I contacted chime, to which they denied my claim within 3 hours, I submitted documents providing the evidence of my incarceration, and my physical incapability to do the transactions. They have denied my 8 rebuttals as well, and I have been waiting for a response on a open rebuttal now, I was told they would have a response by XX/XX/XXXX and here it is XX/XX/XXXX and still waiting. Ive called and they always say itll be 1-3 business days and I should get an email, yet I have still not received anything. I just want my money back. Theyre giving me the run around and Im sick of it.
Product: Student loan

I have tried to get information on my loans from when I first took out my first student loan ( in 1985 ) through today. I would like to see a complete accounting that has led me to owe almost {$10000.00} still even though I borrowed less that {$50000.00} and have paid for years and years. Navient merely tells me that they have no paperwork before they took over the loan. I feel I've fallen into a black hole where I send them {$720.00} a month ( going up to over {$1200.00} a month in XXXX ) and never ever see a reduction in what I owe. 

Can someone help me? 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My previous legal name was XXXX XXXX but changed to XXXX XXXX XXXX when XXXX in XXXX. I checked my credit score in early XXXX and got around XXXX from all three bureaus including TransUnion. I was trying to acquire a loan from a lender in XXXX and they told me that TransUnion record was frozen. I signed up with my new name and same social security number, which wasn't changed, and found out that I don't have any credit history. As the previous report by XX/XX/XXXX, everything was fine. I disputed with TransUnion, but got no response from real person, except a bunch of machine responses. 

Because the social security number has never changed, the credit history should not be new. They should be able to match my old record with the new name just like other two bureaus did. But they repeatedly denied my requests. 

My purchase has a closing date, and I am risking my deposits. So, I hope someone could really help to let them check into this simple case. I believe it's just a small technical bug, but need to be heeded by real man, not fool the customers around with robot machines.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I logged into my paypal account. I added an XXXX XXXX card and selected it as my primary form and default form of payment. I then sent my brother in law a gift on {$1200.00}. On XX/XX/XXXX in notice a insufficient fund fee to my bank account for {$29.00}. Paypal had switched my primary  payment from my XXXX XXXX card back to my bank account. I searched the paypal website for a method of stopping the payment, but could find no method. On XX/XX/XXXX I called paypal at ( XXXX ) XXXX and asked to switch the payment method back to XXXX XXXX card and stop from trying to withdraw from my bank account. The representative provided she could not stop the process and that they would try to withdraw funds from my bank account again. Once that was completed they would withdraw from my XXXX XXXX card. The representative stated she could see I had the XXXX XXXX set as my primary payment card when I submitted the payment and would send me a letter to provide to my bank to remove the fees. On XX/XX/XXXX they tried to withdraw the money again from my bank account resulting in another {$29.00} dollar fee. They billed my XXXX card instead of my XXXX XXXX. To date I have not received the letter the paypal rep stated was being sent. The process of sending a payment with paypal is absurd. It should be illegal for them not stopping the second withdraw against my bank account as per my request.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2022, I made a purchase for a sweater for {$68.00} plus a fee of {$3.00} ( total {$72.00} ) through a website that I later discovered was a fraudulent website. Within minutes I notified Paypal and tried to cancel the transaction, but the funds transferred immediately. I filed a claim with Paypal but they stated there is nothing they could do because the funds were transferred as personal funds transfer and not a goods or services purchase. My complaint is Paypal is allowing one of their customers to prey upon other Palpal customers to commit fraud. In just a few hours of research, we were able to determine this individual has multiple websites that all look identical but use different names. All of the posted " contact '' information is fake, mulitple attempts to contact the points of contact on any of the websites are returned as " email invalid ''. The contact information for this seller through PayPal is also fake and returns the same " email invalid '' results. Paypal accepts no responsibility for the fraud and theft that is being conducted through their service.
Product: Debt collection

I have a debt with XXXX XXXX that defaulted in XX/XX/2018. I have explained my financial circumstances to them and repeatedly asked that they only call me on my cell phone and to stop making harassing calls to my family and my spouse. 

Today ( XX/XX/2018 ) they called my husband and when he explained that they had the wrong number the associate proceeded to give him all of the information about my account and the debt. My husband is not and has never been an authorized party on any of my credit accounts. They have also done this to my mother and father. It is embarrassing enough not to be able to pay your debt but for them to repeatedly continue to violate my privacy is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  Accounts # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXXXXXX XXXX  XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, and account # 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 a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer- ( 2 ) not state that such consumer owes any debt ; 15 USC 1692 d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( The nonstop calls and letters threating litigation and incarceration, has caused me mental anguish, stress and XXXX  in which i now take XXXX  for. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Experian numerous times by mail with return receipt to have these unauthorized inquiries removed : XXXX. XXXX - XX/XX/XXXX -- XXXX Verify XX/XX/XXXX -- I've also tried to have them remove these CLOSED ACCOUNTS -- XXXX {$4700.00} XX/XX/XXXX XXXX XXXX {$5400.00} XX/XX/XXXX -- XXXX {$2300.00} XX/XX/XXXX -- XXXX {$1400.00} XX/XX/XXXX -- XXXX {$6400.00} XX/XX/XXXX -- XXXX {$9300.00} XX/XX/XXXX. One late payment showing XXXX XXXX XXXX XXXXXX/XX/XXXX -- I also attached federal laws 15 USC 1681A ( 3 ) -- - 15 USC 1681A ( 4 ) and they STILL haven't removed said items!
Product: Credit card or prepaid card

I have opened a dispute with navy Federal due to over 8k worth of unauthorized charges on my navy federal platinum card. My account was temporarily credited during their investigation. I was later  notified that my credits were being reversed. I contacted the rep and asked why and I was told due to some information from receipts matching mine. I asked what information and he said name, email, and phone number. I let him know that is public information that could easily be found online and asked if I could appeal. I appealed, with my appeal I sent them a letter from one of the creditors freeing me of any debt owed to them due to fraudulent activity because they agreed my information had been compromised, along with my public information that I found online, i.e. phone numbers, emails, and addresses. ( Any criminal can use the dark web to find out anything ). I do not know when or how my card and information had been compromised, however, I contacted some of the businesses and did my own investigations and most of my information if any did not even match my own, most importantly NONE of them had my home address for any deliveries. I also asked when doing my appeal to please forward me any documentation inclusive to their investigation that would cause another denial. They have again denied my appeal and have not provided me with any supporting documentation. This over charge to my account has caused a tremendous drop to my credit scores and has a negative effect to my lively hood. I am finding this to be very unethical.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

The Optum Bank web access system displays " Secured for Patient 's Privacy '' in the description field for many transactions even though the user/subscriber is the person who originally entered the descriptions into the system. This makes no sense at all and makes it difficult to reconcile reimbursement requests with payments. 

See attached screenshot for an example.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXXXXXX XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy ( 15 USC 1681 section 604a section2 ). 

Its also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666B a creditor may not treat a payment on a credit card account under n open end consumer credit plan as late for any purpose
Product: Credit card

I pay my balance in full every month prior to the due date, but when I do every few months the company puts a hold on the account and will not release the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying to improve my credit score for a long time. It has been slowing rising. believe in not having credit cards. Only items on my credit report were student loans which I co signed for my daughter, an auto loan I cosigned for another daugther, and a small auto loan which I have. The auto loan for my daughter was paid off so I assumed that my credit score would go up somewhat. To my surprise it went down 15 points. Cant understand why with report showing all accounts in good standing, why my credit sore would go down 15 points, not up or remain the same. Have strived to improve my score, only to see it drop. Contacted equifax to explain why only to get the run around. Only thing they told me to do was contact you. Have strived to keep my credit spending under control.
Product: Credit card or prepaid card

Was told my credit card was closed as Capital One has observed activity on one or more of my personal accounts that is inconsistent with a typical consumer account usage? 

So they cancelled the card for no reason and it negatively effected my credit score and never gave me a real reason, which I would like to know.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX To Whom this my concern I the consumer has notice that you have a hard inquiry on my consumer report dated XXXX XXXX, XX/XX/2020 AND XX/XX/2020. PURSUANT TO 15USC1602 ( l ) - THE TERM CREDIT CARD MEANS ANY CARD, PLATE, COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR, OR SERVICES ON CREDIT. Which means my ssn is indeed credit card. PURSUANT TO 15USC1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Your company ran my credit card ( ssn ) without without my authority I was Obviously denied. But a inquiry on my consumer report means someone benefited from this unauthorized use of my credit card and I didnt receive any benefit from this transaction. 

Pursuant to 28USC3002 ( 15 ) ( A ) ( B ) ( C ) - ( 15 ) United States means a Federal corporation ; an agency, department, commission, board, or other entity of the United States ; or an instrumentality of the United States. 

WHICH MEANS EVERYTHING IS COMMERCE. SO, YOU HAVE COMMITTED FRAUD AND IDENTITY THEFT. 

I DEMAND YOU REMOVE THESE INQUIRIES FROM MY CONSUMER REPORT. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX
Product: Vehicle loan or lease

I have a loan with SANTANDER CONSUMER USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SANTANDER CONSUMER USA with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2017. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports. 
XXXX XXXX {$7300.00} XXXX  XXXX {$470.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$11000.00} XXXX XXXX {$16000.00} XXXX {$0.00} XXXX XXXX XXXX {$4400.00} XXXX FUNDING XXXX {$480.00} XXXX XXXX XXXX {$760.00}