23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been back and forth with Prestige Financial in regards to a vehicle that was repossessed back in 2016. This vehicle was sold at auction and I never received a notice of sale. When this company sued me and ultimately was awarded a judgement against me and tried to garnish my wages. I never received notice of the original law suit or signed a proof of service. When I discussed this with the company they said that their process server did have my signature. I expressed to them that it was a forgery and the agent dismissed my concerns. I agreed to start making monthly payments with them at some point but was unable to follow through due to unemployment. I have so far made one payment to them. 
I have recently reached back out to them to try and set up a payment plan. I offered {$50.00} bi-weekly, but they are refusing to take my payment. They want {$75.00} bi weekly. I received an email form one of  their agents emailed me today and basiclly threatened me that if I do n't " voluntarily '' set up this  payment this would be my last chance. I am not sure how to take this. I am in a financial hard ship and I am doing my best to comply with them. I am so scared that they will take legal actiion and garnish my wages which will put in me a further hard ship. I cant even focus at work thinking about this situation.
Product: Prepaid card

On XX/XX/2017 a transaction was processed from my prepaid account in the amount of {$100.00} from XXXX. First and foremost XXXX should not have debited the account because I cancelled the scheduled payment however they were able to process the payment on a card that a fraud agent with Net Spend told me would be deactivated. Since I have contacted Net Spend several times to have the money put back in my account because it does not take a rocket scientist to see that with notes a fraud agent with their company told me the card would be deactivated and it was not. Therefore there should not be any question about the transaction because Net Spend 's risk management department informed me that once I activated my new card my old would be deactivated and no charges from that old card should take place. Taking 10 to 45 days to clear a dispute which was clearly their fault in not deactivating the card as I was told caused this transaction to go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent CFPB Complaint # XXXX. It stated For XXXX years I have asked Experian for a copy of the permissible permission used by XXXX XXXX XXXX XXXX to access my credit report. I receive the same duplicate replies You are requesting Experian provide you a copy of the permissible purpose. At your request to conduct a reinvestigation, we contacted the data furnisher for the account you mention and asked them to verify the accuracy of the information with which you disagree. They responded and they updated aspects of the account. The result summary was sent to you on XX/XX/XXXX for review. XXXX Problems with Experians reply. XXXX ) I have yet to receive a copy of the permissible permission. XXXX ) I have yet to receive summary of any updates from data furnisher. XXXX ) Sending to XXXX XXXX XXXX XXXX is Experian passing the buck because XXXX XXXX XXXX XXXX just denies everything and calls everything duplicate complaint. I request Experian send me copy of permissible permission they received from XXXX XXXX XXXX XXXX for the XXXX loan that is on my credit report. If Experian refuses to do this, I ask for explanations. No more passing the buck. Experian replied today : At your request to conduct a re investigation for the account, we contacted the data furnisher ( XXXX ) and asked them to verify the accuracy of the information with which you disagree. They responded and it remains on your report as-is. The result summary was sent to you on XX/XX/XXXX for review.?????????????????????? I requested copy of the permissible permission. WHERE IS THE COPY OF PERMISSIBLE PERMISSION I REQUESTED YEARS AGO??? Experian just merely passed the buck again and XXXX continues to deny and refuse to send copy of the permissible pemission because it doesn't exist.
Product: Credit card or prepaid card

Chase Freedom credit card has continually and monthly denied charges on my card that I attempted to use it in the store within the county I live in. They were informed not to that and I regularly check my accounts and have credit monitoring and I would promptly notify them of any fraudulent charges or my card missing. I do not know if it is the same person that may have a undue grudge or the system routinely decides to deny me making charges mostly under the sum of {$100.00} where I live and on vacation even though they were notified of where I would be. I have had this account over 11 years and have not experienced this to this extent until within last year. Chase needs to stop denying me the use of this card! I feel it is discriminatory for the continued denials despite me informing them not to which in my opinion amounts to harassment and continued denials despite me informing them not to. I have never failed to pay this card in a timely manor. There has never been a loss on my card the bank had to cover or any transactions I missed that were not taken care of by me. I never had any use of my card by anyone but me and this needs to stop. After 183 minutes they hung up on me. Chase Freedom customer service in the fraud department is horrific and is deserving of the poorest rating available without a doubt in my opinion.
Product: Credit card or prepaid card

Barclays bank is blocking my information to financial data apps. I can not add my Barclays credit card to XXXX
Product: Credit card

On XX/XX/XXXX, I received an email from Citibank [ AAdvantage ] ; account ending in XXXX and to XXXX that a charge for {$130.00} was being drawn from my XXXX XXXX XXXX  checking account. When I called Citi Card, they acknowledged seeing the charge but could not explain it. They could not identify the merchant, and I would have to call back in four days. In the meantime, I called XXXX XXXX XXXX and disputed the charge on that end. 
On XX/XX/XXXX, around XXXX am, I again called Citi Card ; the Fraud Dept. The agent could not explain the charge and said it was being investigated. 

Subsequently, I received a letter from Citi Card noting the disputed undertaken by Bank of Oklahoma, and Citi Bank wanted me to go ahead and pay the {$130.00}.

It is alarming that somehow, using the Citi Card system, that someone could initiate a draw on my bank account. I have locked my Citi Card account and deleted all links to all four of my bank accounts.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX XXXX  XXXX, Texas Laws Dear XXXX, I am writing to address the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Additionally, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 

I assert that I have not provided consent for XXXX  to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and disregarding federal and state laws. 

I demand that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

Obtaining consent is a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Student loan

I have loans with XXXX  and I need these loans forgiveness, it has really been hard making payments on these loans ... the interest is extremely high and the reporting on my credit is credit issues with other purchases I want to make ... .I want to to be considered for the loan forgiveness program with navient
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX Auto ) completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX  to remove these inquiries and all attempts failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get my old information removed to it being over the time limit to stay on my report. This is the only thing from holding me up on getting a home loan. I have tried on several occasions to have it removed with no success. The account Number is XXXX
Product: Student loan

I 'm an XXXX Graduate from XXXX XXXX XXXX, and financed my education through a loan offered by XXXX. The loan repayment began on XXXX XXXX and I 've been paying timely on a monthly basis. Since XX/XX/XXXX, XXXX let me know that it was possible for international graduates to pay through XXXX using foreign credit cards. I used that alternative, with my XXXX XXXX, since it was available until XX/XX/XXXX, when XXXX decided to transfer our loans to XXXX XXXX. XXXX XXXX  did n't have the XXXX alternative, but they would receive my XXXX XXXX number over the phone and process my payment since XX/XX/XXXX until XX/XX/XXXX. Recently, when I tried to pay my loan due on the XX/XX/XXXX, the representative told me that " credit card companies would not allow paying debt with credit cards any more, so they could n't process my payment over the phone, but I could use XXXX to pay with my foreign credit card ''. I logged into XXXX and they are basically charging a fee in order to process my payment ( that fee accounts to almost a 5 % of the amount due ). Unilaterally XXXX XXXX  eliminated an affordable option for international students to be able to pay for their student loans, sending us a to another agent who will charge us roughly 5 %. My loan rate is about 5 % yearly and by forcing me to pay through XXXX, XXXX XXXX is practically doubling the interest rate on my loan. First of all, I would like to know if it is true that credit cards companies wont allow debt payments to be cancelled with a credit card as I think something like that would have been widely commented and I couldnt find a single article. Second, I would like to know if it is legal for Firstmark Services to unilaterally select a payment method that represents an indirect +2x increase of my interest rate. And third, what are my rights as a consumer residing outside of the US.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT. I HAD NO KNOWLEDGE OF THESE ACCOUNTS. THESE ACCOUNTS LISTED BELOW WERE OPENED FRAUDELENTLY. 

XXXX XXXX XXXX # XXXX Balance {$500.00}. 
XXXX XXXX XXXX XXXX # XXXX. 
XXXX XXXX # XXXX Balance {$2100.00}. 
XXXX XXXX # XXXX Balance {$24000.00}. 
XXXX XXXX # XXXX Balance {$84.00}. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX. {$2500.00}. 
XXXX XXXX XXXX. Balance {$3300.00}. 

ATTACHED TO THE COMPLAINT IS MY IDENTITY THEFT REPORT.
Product: Checking or savings account

I had a third party company attempting to debit my account. I was low on money and did not add any money to my bank account. I was in a transition to unemployment so the direct deposits had stopped in my bank. I removed the XXXX party services from being linked to my account and having access to my information. They continued to attempt the charges on my account anyway. The bank viewed these attempts as " bounced check ''. They charged me a check return fee of {$29.00}. I have no problem paying that fee. However, what does no make sense, and seems to be unfair, is that the bank charged me over and over again on the same charge attempt. I understand if a check is bounced, there is a charge, but how many times can XXXX check bounce? And why is the bank charging me over and over again for the same charge attempt? When I called the bank and spoke to the manager, she was unable to make this fully understood and told me the call was not productive and hung up on me. The charges accumulated to over {$400.00} and they closed my account, and I am now indebted to the bank and they are now also on my credit profile. I did not actually write a check and bounce it. The XXXX party company did have access to my account, through the Plaid linking process, however I removed them from this access because I knew I needed time to pay it. It was a 100 % digital process. Why would my bank, who is here to protect me, charge me due to my low balance? Why are they charging me over and over again to put me in debt to them?
Product: Debt collection

I am writing to file a formal complaint against LVNV Funding, a debt collection agency, for inaccurate and misleading information being reported on my credit report. Despite my having paid and settled the account through XXXX, LVNV Funding continues to report the account as outstanding and not paid, which is causing unnecessary harm to my credit profile. 

Account Details : Original Creditor : XXXXXXXX XXXX XXXX  Card Account Number : XXXXXXXX XXXX Account Number : XXXX Payment Settlement XXXX I settled the account in full with XXXX which was acting on behalf of LVNV Funding. I received confirmation that the account was paid and settled, and there were no remaining balances owed. However, LVNV Funding continues to report this account as outstanding on my credit report with the major credit bureaus, which is both inaccurate and damaging to my credit score.
Product: Debt collection

I contacted an original creditor ( XXXX XXXX ) to pay a debt. The creditor told me the amount owed and I paid it. I was told that my debt was paid in full and I was not responsible for any other amounts. I have record of this conversation and the payment. That creditor then sold some other portion of the debt that I, believing the debt was paid in full, was not informed of and not given the opportunity to pay, to a collection agency. The original creditor acknowledges their representative made a mistake ( according to the supervisor I spoke to, the representative I had talked to misquoted the amount I owed, leaving me with an unpaid balance ) and that I had every reason to believe the debt was paid, but offers no solution other than for me to pay the collection that was unfairly placed on my credit report. I know that simply paying the collection will not remove it from my credit report and it will remain for XXXX years even after payment. I feel there has been some violation of rights here. Can you offer any advice?
Product: Checking or savings account

I walked in the BBVA Compass Branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2019 and requested to close my checking account. I had a small amount of money in the account which I withdrew, and verified with the teller that my account was closed out. 
About a week later I receive an overdraft letter, then another, and another. So I go online and log into my old account, which I should not have been able to access since I was told it was closed! Low and behold I get in and there is XXXX worth of charges and overdraft fees. One was a ACH from a CC that must have gone in under the radar, but the rest were debit payments that should never have been paid. My debit card should have been shut down the minute I requested to close this account. ALL debits should have been denied if this account was closed. I was in the process of switching everything over so I would have dealt with any loose ends or merchants on my end. 
When I contacted Compass I was told that they re-opened my account when the ACH went through the next day, and that I have to wait 30 days for it to be completely inactive. Um I never gave them permission to re-open my account, and when I was ther in person to close my account they NEVER mentioned any of that. 
This bank preys on people with overdraft charges, which is the primary reason for my wanting to close this account because of past issues with them.
Product: Credit card or prepaid card

I logged on to my Citi mobile app on XX/XX/XXXX and noticed all three credit cards I have were closed by the bank with no reason or notice given. I called customer service and no one even a supervisor was able to help me with this concern.
Product: Credit reporting or other personal consumer reports

I have been disputing this account on my Experian credit report since XXXX. 
Experian has repeatedly stated that this account has been verified as accurate. 
However, they failed to provide documentation detailing verifying this account. 
I believe that I have the right to know who is using my personal information and how this verification process was conducted. 
Therefore, I kindly request that Experian provide me with the documentation used to verify this account. 
Thank you for your prompt attention to this matter.
Product: Debt collection

On XX/XX/year>, TransUnion received my dispute letter requesting the removal of two inaccurate addresses from my credit report. Despite the 30-day legal timeframe, TransUnion failed to respond by XX/XX/year>. I submitted a 15-day follow-up letter on XX/XX/year>, and a final demand letter on XX/XX/year>. TransUnion claims to have sent responses, but I have not received them at my verified address. This failure to respond and improper handling of my personal information violates FCRA Sections 609 ( a ), 611 ( a ), and 607 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle on XXXX XXXX and it ways paid in cash. There was no financing however the dealership XXXX XXXX ran my credit to three different loan companies. XXXX XXXX, XXXX XXXX, and Capital One finance. None of these were authorized and all three above companies as well as the three credit bureaus wont remove any of the inquiries. I am trying to repair my credit and these XXXX hard inquiries are hindering me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX data breech frad victim and agencies and companies illegally reporting negative information Negative information from fraud needs to be removed : Never late, fraud XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Condition : Paid ID fraud USAA SAVINGS BANK XXXX XXXX XXXX Account XXXX : XXXX XXXX Condition : Derogatory Derogatory Balance : {$3700.00} {$3700.00} Type : Credit Card Pay Status : Collection/Chargeoff Collection/Chargeoff unkown USAA SB XXXX XXXX XXXX Account # : XXXX Condition : Derogatory Balance : {$2100.00} Type : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 
Account # : XXXX High Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : XXXX Condition : XX/XX/XXXX Responsibility : Individual
Product: Vehicle loan or lease

After further investigations of my account, I have noticed a few errors in the reporting of this account. I am filing a complaint against Regional Acceptance Corporation ( RAC ) for multiple violations related to an auto loan that they are misreporting on my credit report. 

XXXX. Unauthorized Loan Assignment I was the original financier of my vehicle and never authorized RAC to take over my loan. 
XXXX  law prohibits unauthorized loan assignments if not specified in the original contract. 
RAC has not provided proof that they legally acquired the loan with my consent.

2. Misclassification of Loan Type RAC is reporting this as an auto loan, but they never had a lien on the vehicle. 
If a loan is not secured by the vehicle, it can not be reported as an auto loan under the Fair Credit Reporting Act ( FCRA ).

This misclassification is deceptive and negatively impacts my credit.

3. Improper Deficiency Balance Reporting After Voluntary Repossession I voluntarily returned the vehicle, but RAC continued reporting a balance instead of properly adjusting the loan. 
If they sold the vehicle, the sale price should have been applied to the balance.

If they forgave any portion of the debt, they were required to issue a 1099-C, which they failed to do.

4. Unlicensed Debt Collection in XXXX  RAC is reporting my debt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ), which is not a licensed location in XXXX. 
XXXX Finance Code requires lenders collecting on XXXX  residents to be properly licensed. 
If RAC is not licensed at the address they are using for collections, they may be violating XXXX  law. 
5. Potential Wrongful Conversion ( Theft ) of My Vehicle Since I was the original financier and RAC never had a lien, their possession of my vehicle may have been an unlawful conversion ( theft ).

If RAC had no legal claim to the vehicle, they can not hold it, sell it, or report a deficiency balance against me.