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

On XX/XX/2018 I brought my XXXX XXXX XXXX to the XXXX dealer in XXXX ca to see of I could lower my payments, they offered me a smaller car a XXXX XXXX XXXX with a car value of {$24000.00}. I traded in my car so the new loan would pay the balance of my XXXX XXXX  and the remaining balance would be added to the new car. When we were going to close the deal the seller showed me a total of {$39000.00}. Due to the price I told the seller I did not want to continue with the transaction because it was to much for a XXXX XXXX XXXX, and I would stay with my original car the XXXX. I was at the dealer for 6 hours already stressed out, when I was walking away XXXX XXXX another seller came over to me and asked what the problem was. I told him the price I was being given for the XXXX was still to much for me. He insisted he could give me a better offer so we proceeded to the office and he showed me a new price of {$37000.00} with payments of {$640.00} a month. He handled everything on the contract and had me sign it and quickly put the contract in the envelope without explaining to me what I had just signed. If I would have been told at that moment that the total would be {$46000.00} I would have never agreeded to leave with the XXXX. There were also other charges in the contract that he never ask me if I want them I had the right to make my own decision, He just added with out explained what they were. On the contract it says I have to pay {$2500.00} by XX/XX/2018 for a downpayment when at the dealer I explained to them that I did not have money for a  downpayment at the time and they said that was fine. I feel as though they were trying to hide information from me to prevent me from backing out of the purchase of the new car. I was never shown the Annual percentage rate, amount financed, finance charges or the total over all payment of the car. 
I did get to see the contract until I got home I call XXXX XXXX many times and they told me he was on vacation I spoke to XXXX Manager and explain him the situation and did not want to help me he said to wait until XXXX gets back on XX/XX/2018 I want my old car back XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is in reference to inaccurate reporting of a late payment on a closed auto loan with Iberia Bank on my credit report. 

I purchased a vehicle with XXXX XXXX XXXX on XX/XX/XXXX and traded in a XXXX XXXX XXXX XXXX : XXXX. There were several issues on the dealerships part with funding the new vehicle therefore, the final auto loan payoff to Iberia Bank was not submitted in a timely manner by the dealership. 

This in no way was my fault and prior to this incident I had never had a late payment on this loan. XXXX XXXX XXXX takes responsibility for paying off the XXXX XXXX XXXX late. ( See attached letter ) XXXX XXXX XXXX in a letter to Iberia Bank sent on XX/XX/XXXX detailed this issue and asked for any derogatory credit to be removed in reference the paid off an auto loan with Iberia Bank. 

If you have any further questions regarding this matter you may contact XXXX XXXX XXXX at XXXX.
Product: Mortgage

On XX/XX/XXXX, I submitted a letter via an online portal disputing two payments reported as made by CMG Financial on my behalf : {$18000.00} and {$780.00}. According to CMG Financial, the date of these payments was on XX/XX/XXXX. However, after speaking directly with the XXXX XXXX XXXXXXXX XXXX office, I was informed that no payments of these amounts have yet to be received. 

Additionally, I learned that my account was XXXX due to a processing delay by the County Treasurers office. As a result, CMG Financial withheld tax payment, which resulting in a penalty in {$780.00}. I believe it is unfair and problematic for me to be assessed any late fees.
Product: Consumer Loan

In XXXX of 2015 I was contacted by XXXX of Minnesota. I was understanding that they wanted to talk to me about some health issue. When they came to my home, they turned out to be vaccume selling people. They sold me a vaccume and an air purifier and I had it financed thru Preferred Credit , Inc. of XXXX XXXX, MN. in the amount of {$4000.00}. My wife worked at XXXX at the time of purchase. In early 2015 XXXX closed and she lost her job. I contacted P.C.I. and told them I would have to reduce the payments for awhile until she found a new job. Apparently they did n't like that I had to do that and they started reporting negatively on my credit report from then thru now. I have contacted them several times regarding this matter and they refuse to remove negative reporting, even tho I am now making regular payments to them. They said, I signed a contract and there 's nothing they can do about it. It has really damaged my credit and I am trying to get a mortgage and with this on my credit, I ca n't get a loan. My lease is up in XXXX and I have to move so I need help. Thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and XXXX ) and several creditor companies. 

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted.

2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score.

4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts and inquiry completely from my Credit Reports : Accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$56.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$56.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$94.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$56.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$100.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$58.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$56.00} XXXX Inquiry Date XX/XX/2020
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution procr was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress? for these
Product: Student loan

I feel like I was put into forebearance and i did not even know that it would be less costly to pay on income driven repayment plan. No one even mentioned it and now my loans have accrued so much interest. No one even told me about options they just suggested forebearance. I feel like we should be able to trust people working there to have our best interest in mind. We are calling you because we need help. Help us not hinder us.
Product: Vehicle loan or lease

Called to get a deferment on the loan due to hardship caused by COVID. ( We were unemployment ) was told by this company they werent offering them unless payment was late. 
Traded the vehicle in the dealership was late on paying the old vehicle off. We called loan company they told us there was nothing they could do.
Product: Student loan

I am serving as a XXXX  at a XXXX XXXX in part because after 10 years my loans are supposed to be forgiven under the Public Service Loan Forgiveness Program ( PSLF ). 

I recently certified my employment and was informed by XXXX  that only 5 of my payments in XX/XX/2018 were " Qualifying Payments '' for PSLF. The other 7 payments were not counted because the payments were prepaid. 

XXXX does not publicize their very counterintuitive policy that a prepaid payment is not an on time payment under PSLF. XXXX on their website describing PSLF requirements writes : " If you make a payment for more than the scheduled payment amount, the excess amount may be applied to cover all or part of one or more future payments, unless you request otherwise. Depending on how much extra you pay, its possible that your next due date could be a month or more in the future from the date you made the extra payment amount. This is called being paid ahead. If you make subsequent payments during a period when you are paid ahead, those payments wont count toward PSLF. '' This is deceptive and suggests only that additional payments made during the paid ahead status time will not count towards PSLF, not that none of the payment applied to future payments will qualify. There is also nothing in the congressional record to suggest that when Congress passed legislation authorizing PSLF, it intended prepayments to be excluded from Qualifying Payments. 

Furthermore, XXXX informed me that where the prepaid money comes from AmeriCorps or PeaceCorps grants, the prepayment is counted towards Qualifying Payments. My prepayment was the result of a National Health Services Corps ( NHSC ) grant ( https : //nhsc.hrsa.gov/loan-repayment/index.html ). These are similar federal grant programs that offer student loan repayment money as an incentive, and there is no reason why XXXX should treat different from PeaceCorps or AmeriCorps.
Product: Credit card or prepaid card

see Application ID XXXX and Application ID XXXX
Product: Credit reporting or other personal consumer reports

I have been checking my credit reports since XXXX and for some reason the reports have not been updated and my scores have not been updated. When I login to Experian, it says, " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. '' I am attaching my identifying documents to verify my identity. How can I make Sure this information is correct?
Product: Money transfer, virtual currency, or money service

I unable to make any withdrawals from binance us. Im able to deposit, buy/sell but " withdrawals are suspended due to risk management '' is the message I've been getting. I have never made any withdrawals from my account. My first attempt was about 2 months ago. When I got this message, I didn't think anything of it, I thought they're going through some maintenance. A weeks later I tried again and received the same message. At that point I contacted support and have yet to hear back from them. My ticket numbers are XXXX, XXXX, XXXX, XXXX. Its troublesome to believe that a company that holds billions of peoples dollars does not have etiquette support to handle such issues. I have over {$90000.00} in the account I cant withdraw from or get any response from support. 
Please help my account number is XXXX
Product: Mortgage

I am requesting escrow servicing removal. I am in receipt of requirements. I have made the payment to the principal balance so the LTV reflects 80.00 %. I have paid fees on the account. I have spoken with XXXX XXXX and they confirmed the principal balance amount needed to be 80.00 % LTV. Newrez paid my flood insurance after I paid it myself. XXXX XXXX further confirmed that I dont have to escrow flood insurance so new rez doesnt have to collect it or use it against me.
Product: Mortgage

In 2016 Wells Fargo created an " unapplied '' funds account where they took my checks that are marked " escrow only '' and deposit them is a non-descript account. They took checks that are marked Mortgage " principal and interest only '' and liquidate them in this mysterious account. Money then flows out of the account without any documentation of how much money was taken out of the account, where it was applied, what the balance was before or after money was moved in and out of this non-descript un-applied funds account. I can not tell from the lack of documentation where money is going or follow any paper XXXX. If it is being applied to escrow, then there needs to be itemized records indicating each entry. If it is going to principal and interests, then likewise, there should be itemized entries. Clearly Checks marked escrow should go to the escrow, and checks to pay the mortgage principal and interests should do exactly that. If there is a shortage then I should be notified with the correct payment options. 
In keeping with XXXX XXXX, I am asking Wells Fargo, to supply an " un-applied funds '' accounting ledger for the 2016 year that shows the input and output accounting, the checks by number that they liquidated into that account, and what fines, fees or transfers were made to/from that account and what when to pay what? I would also like to see a copy of the amortization schedule with a comparison of where the VA closing statements indicate where we should be at this point and where Wells is actually at in reference to the amortization schedule. 
I am asking also that the requested accounting be attached to the replay here at the Consumer Financial Protection Bureau, along with a copy mailed. - Thank you
Product: Credit card or prepaid card

My Bank is Wells Fargo since XXXX, My bank is giving me a hard time forward the incorrect information to the credit bureau that I was late in payment twice a time in XX/XX/XXXX and XX/XX/XXXX which is wrong because my account was set up as a direct payment from my Wells Fargo checking account to pay my Wells Fargo credit care. The bank executive office supervisors/managers. From XXXX, XXXX, XXXX, etc. I am struggling from last two months spend a week from XXXX to XXXX pm on phone to resolve the issue. Bank admitted that ; error is on their side. As a result, I am receiving the worst customer services. 
My whole family is suffering because my credit score is badly damaged, we must move ASAP. I am unable to proceed for my rental. Thus, the whole family is homeless.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make nor authorized these changes. I ask that the items be deleted to correct my credit report. Ive reported the theft of my identity to the Federal Trade Commission and Ive also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as I am unable to qualify for a mortgage loan. Thank you!
Product: Credit card or prepaid card

XXXX, XXXX, 2016 {$300.00} I currently have this credit card and I wanted to see if I can please get my late payment erased? I really went through some financial problems and I am currently making my payments now. I will pay the interest difference if needed, but I just don't want to have late payments on my credit report. 

thanks
Product: Prepaid card

The card is not accepted anywhere. It is useless. I want the balance on the card converted into something usable.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX XXXX # XXXX ... in the file you maintain under my Social Security number. 

I was informed on XX/XX/XXXX that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Product: Checking or savings account

TD bank told me that even if I tried to deposit money into the account to avoid overdraft fees, it would not make a difference because it was too late even for transactions in outgoing pending status. I need help with helping this bank reform its predatory fees schedules.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX Accout # XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Last year around December I decided to take a look at my credit report and saw that there is a XXXX XXXX XXXXy being reported. I requested verification from the credit bureaus and XXXX. When I disputed with the bureaus that the Bankruptcy was not accurate and that I didn't want to be susceptible to identity theft they ( I also sent an affidavit ) they responded that they verified and it was " accurate ''. However, when I received a response from XXXX they said they couldn't verify or find my information, mind you I did include my social security number. So how were the credit bureaus able to verify my information with XXXX?
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This complaint is being filed with the CFPB to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, TransUnion credit reporting agency , block the fraudulent information appearing on my consumer credit report that is the result of identity theft and fraud. This action should be taken within 4 business days of receiving this complaint.

The fraudulent, inaccurate, and false information includes : 1. A personal credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX  ). 
XXXX. A personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX  ). 
XXXX. A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ). 
XXXX. A personal credit card account opened at XXXX XXXX XXXX under the account number ( XXXX  ). 
XXXX. A mortgage loan account opened at XXXX XXXX XXXX XXXX under the account number ( private ). 
XXXX. A personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ). 
XXXX. A personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ). 

These accounts have led to several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of these hard inquiries, along with a copy of the consumer FICO credit report maintained by you, which highlights the fraudulent items mentioned above.

I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. As proof, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission, confirming that all of the aforementioned accounts, collections, and hard inquiries are indeed the result of identity theft and fraud.
Product: Debt collection

I did not request anything from this company Ive been a victim of a several data breaches it was not I