23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello. I am dealing with U.S Bank. Account : XXXX. HELOC. 
For 51 years I was never late on a payment ever. I have missed 8 payments on my US Bank HELOC.  I have never once heard once heard from US Bank about this loan. 
They finally sent a letter and the number that have typed on the letter is wrong. I did get the right number, but its not the right number. If you call this number you go through the prompts, all the verification ( or don't do any of that and just wait for an operator ) and you inevitably get to a 'technical difficulties ' voice followed by a dial tone. I would happy to share the recordings I have of these calls. 

I have talked to people on the phone, but I was actually told, there foreclosure dept does not take incoming calls. What are they all finishing that back 9 at XXXX? This has gone on for the last three weeks. To really try and get through, they list a fax number. A fax does pick up I have send two letters to US Bank, a complete application for financial assistance on or about XXXX. and two letters  to their lawyers and one tonight to their CEO. 

I have been told by the receptionist at the lawyer, XXXX XXXX XXXX, that they are waiting for a document from US Bank and will the day they get it. I ask it anyone has done any work on this and they say, " no, the file is open but they have not received anything from US Bank. They have had time to bill US Bank and US Bank has billed me {$1300.00}. On a XXXX loan where my overdue amount it maybe {$3500.00}. 

I have redone my primary mortgage with help from Hardest Hit,. Woud US Bank consider matching setting the next paymetnt date at XXXX and absorbing the payments to XXXX? I woud be grateful if you could, I will be working shortly but their are a lot of bills. XXXX XXXX will pay the current arrears if US Bank will match XXXX XXXX XXXX and give me breathing room until XX/XX/XXXX, when i will pick up payments. They can pay this immediately. But we can't find anyone about anything. 

If anyone calls in with our account number XXXX, they will find they have DELETED the account number.
Product: Consumer Loan

My loan was with Western Sky but they have sold the loan. Delbert services is showing on my credit report and so is Western Sky. I have been paying the loan off every month and finished in XXXX. But now Both Delbert and Western Sky show as owing money. The interest rate was well over 95 %.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase XXXX account to this fraudulent investment company.
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 the 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 violations.
Product: Vehicle loan or lease

I went into a car dealer they sold me a loan on a loan to fix my credit. They never discussed with me that it was a high interest rate that in four years I would only have paid {$40.00} in principle over a 4 year period of time. 99 % of my payments have went to interest. Leaving the value of the car 300 % of the loan. Which is forcing me to consider bankruptcy. I consider their fraudulent and high pressure tactics a violation of my consumer rights. Purchased vehicle on XX/XX/2014 for XXXX still owe XXXX monthly payments are XXXX. The name of the finance company is santander consumer USA
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX Account XXXX ) had violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1792 ) prohibits collectors from various unfair practices, such as failing to validate the debt obligation, threatening litigation or other legal action, collecting on or reporting to credit on a debt you don't owe, harassing you, and engaging in fraudulent behavior.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX ( Original Creditor : 06 XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and AMEX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and AMEX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

My account with AMEX was never late! I have had exceptional payment history with AMEX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


AMEX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I contacted Ally Financial and inquired about about a {$32.00} late fee they had charged me being XXXX year old XXXX veteran Im on a set income I never have missed a payment I had all my payment receipts so they corrected the mistake and took off the late fee. 

But asking what my balance was I was told by the representative that at 10.35 percent interest fee what my balance was And thats where the next problem Begins because on my contract it says 10.34 percent Not 10.35 interest I told him according to my contract it should be 10.34 percent he gave me the number to the Contract Revision Department So on XXXX XXXX @ XXXX Wednesday I called the Contract Revision Department and they would not correct the problem saying theres nothing they can do so I asked the guy you mean to tell me that although I have a contract that I signed in front of me at the interest rate of 10.34 % which is the rate I accepted this automobile loan for that you guys can raise the interest 1 % and say its on me this is outrageous you people are ripping off me off as a XXXX veteran and a tax payer of this country.
Product: Payday loan, title loan, or personal loan

I suffered hardship due to XXXX. I was unemployed and my family and I battled XXXX. In XXXX of 2021, I was offered a 3-month payment plan until XX/XX/XXXX of 2021. I started with my 1st payment in XX/XX/2021 and each month until XX/XX/2021. I was charged a late fee each month. My balance hasn't changed to reflect any payments. 
I contacted the Credit union and was told that the payments go towards the end of the loan. That I would not be seeing any changed in the balance owed.

I have submitted a new application because the State of Texas has ended unemployment back in XXXX and I'm still awaiting a decision on this matter with Penfed. 

I would like to know about getting this resolved and the payments made reflect on the account.
Product: Money transfer, virtual currency, or money service

Zelle did not have proper notices prior to sending money with no process for recourse
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) with a balance of {$730.00} that appears related to the aforementioned personal credit account opened at XXXX  XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

In  XXXX  I purchased a used car that is financed through  Santander Consumer USA . It was my first vehicle purchase, so I was not well informed about good interest rates and such. While I believed that I was getting an OK deal on a loan, I actually receiv ed one wit h an extremely high interest rate of 20.6 %, which is actually higher than what is allowed in Arkansas, but I was unaware.   In  XXXX   XXXX , my car was repossessed due to getting behind in my payments. My wife and I negotiated with  Santander to p ay a certain amount and avoid having the repossession placed onto our credit. After paying, however, the repossession still ended up on our credit. I also found out that all the payments that I had been making had gone towards interest, and that I had actually only paid {$3000.00} of my principle paying an average of {$400.00} per months ov er 20+ mon ths. My loan was only around {$17000.00}. After further research, I found out about the Arkansas ursury law, which limits the most that any interest rate in the state can be to 17 %, a full 3.6 % less than what I had. I also found out that  Santander  had broken laws like this before and had lost in court decisions about it. This being the case, I would like to challenge my interest rate as well as trying to have the repossession and the late payments removed.
Product: Consumer Loan

i purchased a auto loan with GM financial. My interest rate is almost 18 % and i have found out from other lenders that my auto is underwater. I have tried several time to get my car refinance and no other lender will touch the loan, i am being charged over XXXX more than what the vehicale is worth. I keep attempting to get out of the loan however, can not find a lender. 
first of all back in 2012, i was told the rate was 11 % however when the final paperwork was done it was over 18 % this is preditory lending because i am XXXX XXXX women. please send me someone that can help me. i need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested investigation from Transunion several times to investigate the account XXXX XXXX XXXX # XXXX. I receive response verified as accurate or your classic stall response. " We applaud you for your recent efforts to take charge of your credit. We want you to know we're here to help and blah blah blah blah blah. I have 0 faith Transunion has investigated this account. I asked to receive the information used to verify this account. I requested to know if you spoke with someone or if it was verified through the system.It 's my right to receive documents used to verify ignoring the request is violating a consumer 's right. Oh yea and the classic stall letter you think I hired a 3rd party. This is exactly why I don't believe your investigation.How is it I have yet to receive validation of this account? How have I not received documents Transunion used to verify this account? Why are you continuing to stall? And the latest response you canceled my investigation request. I DID NOT request Transunion to cancel my investigation. What are you verifying excuse me NOT verifying. This account needs to be removed permanently. It is your job to report 100 % accurate information as you are reporting this account. I asked how and who was the information verified by at the company. I have sent XXXX XXXX XXXX 3 letters. After not receiving a response I sent 1 certified it was returned. Does this company even exist? This is the address that was listed on annual creditreport. Com and the other credit bureaus. I will also include the mail showing it was returned. I have never heard of this company and I have attempted several times to find out how they think I owe them. I am requesting this account to be removed immediately! This falsely reporting account is also reporting past due. This needs to be permanently deleted from my credit profile. I have the right to a 100 % accurate credit file. XXXX XXXX XXXX is in violation. I look forward to your prompt response as I have endured enough. It has cost me time and money. I'm requesting all communication via US MAIL. All Disputes are not viewable on Transunion.Com. I would like US MAIL for my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

PROCOLLECT INC KEEPS SENDING ME NOTICES ABOUT SOME COLLECTION ACCOUNT. A PREVIOUS COLLECTION ACCOUNT WITH THEM HAS BEEN SETTLED AND PAID. IN RESPONSE TO THE NOTICES I AM GETTING, I MAILED A FORMAL DEBT VALIDATION REQUEST TO PROCOLLECT OVER 60 DAYS AGO WITH NO RESPONSE. I AM REQUESTING AN ITEMIZATION OF THE COLLECTION ACCOUNT IN WHICH THEY SAY I OWE. PLEASE MAIL ME ALL DOCUMENTS OR DELETE THE ACCOUNT FROM MY CREDIT REPORTING ASAP. I HAVE ATTACHED A COPY OF THE DEBT VALIDATION REQUEST I MAILED. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the agency didnt make sure it was reporting XXXX percent correctly. XX/XX/XXXX, I mailed out my concerns in regard to in accuracy and invalidated inaccurate information that I noticed on my credit report. I have disputed the following accounts and also mailed out letter and a dispute letter as to why this information is in accurate. As of XX/XX/XXXX, all three credit Bureaus have received my letters and copy of my identification. After the 30 days from the date, they all received my concerns that was giving, I did not receive any requested information asked to validate 100 % accurately any of the following accounts or any response as my consumer right to prove the accounts are mines. I mailed out a follow up letter after the XXXX of XXXX. In addition, not only did the credit report agency specifically XXXX and XXXX have not removed the in accurate accounts off my credit report. XXXX specifically just mailed me a letter that I received XX/XX/XXXX which is more than the 30 days according to the FCRA laws to respond they stated the following accounts are VERIFIED AS ACCURATE. Accounts they are allegedly saying is accurate are XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I as a consumer have the right to understand how this came back validated and or proof of the following accounts such as original contract with my signature proof of identification and the actual thorough investigation on as to how did they find this accurate. My rights are being violated in many ways including the Credit Agency not responding within the designated days according the FCRA laws, also I asked for very descriptive information including again the original signed contract with my signed signature and to accurately prove and validate the accounts. The credit reporting agencies stated the accounts were properly investigated and came back as verified as accurate. However, how is this true when there are several inaccuracies showing on my credit report. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately.

As a consumer, I requested to know all the steps the agencies took to insure these items were 1005 accurate under 15 U.S.C. & 1681i ( 7 ) Method of verification-description of reinvestigation procedure.
Product: Prepaid card

I just filed two complaints with this bureau about Serve. The original charges I have tried to get disputed and could not, I am in the process of trying again. AND ONCE AGAIN, I AM BEING SHAFTED AND REFUSED THE RIGHT TO DISPUTE FRAUDULENT CHARGES!!! THE PEOPLE WHO HAVE REFUSED ARE : XXXX, XXXX, XXXX, XXXX, AND XXXX, WHO ARE GIVING ME THE SAME XXXX ABOUT AS REP 'S THEY DO N'T DO THAT. XXXX even connected me to the Account Protection, WHICH WAS CLOSED!!!!!!!! I 'M SICK OF THIS!!! I wa n't these amounts put into dispute : XXXX/XXXX/2015 : J. Department, {$10.00} ; XXXX/XXXX/2015 : XXXX, {$4.00} ; XXXX/XXXX/2015 : XXXX XXXX, XXXX ; XXXX/XXXX/2015 : XXXX XXXX, {$11.00} & XXXX. They 're giving me all kinds of lies. A couple of weeks ago, I was successful at getting something put into dispute. Now, suddenly, this policy does not apply and I need to speak to account protection. This is GARBAGE AND THEY KNOW IT!!
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a recent data breach and request that the following accounts, which were opened fraudulently without my consent, be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date opened XX/XX/2019 Balance : {$0.00} XXXX XXXXXXXX Date opened XX/XX/2019 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act convergent accounts XXXX 30 day late payments on XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct XXXX XXXX, XXXX ser acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C. 1681 section A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 it aslo states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX XXXX  and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid off Car loan, XXXX XXXX. It showed up on all of my reports and now it completely disappeared from my credit report. The account was paid in full and I got no credit for it. It disappeared from XXXX and transunion credit reports. It also never showed up on XXXX.