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

I got my XXXX XXXXXXXX XXXX from XXXX XXXX in XXXX XXXX XXXX. When I purchased the vehicle they said the only bank I could use was credit acceptance. I was told that everything that was included with the loan had to be in it, such as warranty, service fees etc and that if I didn't agree to these extras I wouldn't be able to use credit acceptance as a lender. I then find out later that I had a choice. This loan ended up being much more than was disclosed when purchasing the vehicle. And because of these extra inflated costs it was hard to keep up on payments especially with outrageous late fees. I was in desperate need of a vehicle, they knew I would be unable to afford it but used my desperation to their advantage and convinced me otherwise. So I ended up defaulting, getting my car repossessed twice and the second time it was repossessed it was sold in auction for 3 times less than the blue book value of the car. They sold it in auction for XXXX dollars. And even after it was sold they are still adding interest to the loan making it even harder to get out of debt. Because of their tactics I lost my job, can't afford another vehicle because I am denied for every loan and am still to this day having a hard time keeping a job due to no vehicle and no reliable way to get to work. Within the first 2 weeks of purchasing the vehicle it ended up having a lot of issues making the vehicle so it couldn't be driven. I tried to use the service contract that I was duped into, and was denied for evert claim through them as well as the dealership that I purchased it from. This company is extremely rude when you try to reach out to them for support and they talk you down and tell you straight out that " you shouldn't have got a loan that you couldn't afford '' yet they add all these extra fees and make it seem like you have to get these extras to even be considered for a loan. They used the fact that I was poor, with poor credit and desperate. Credit Acceptance should not be allowed to continue this fraudulent behavior and should be shut down.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX am filing this complaint to speak to someone at Capital One in the Executive Officer level of doe to my Capital One account being close due to misrepresentation, misinformation. I  was contacted by several different Representatives that gave me conflicting information towards the status and require/request information. I was call on or around XX/XX/XXXX or XXXX by a fraud rep I was told that I needed to send in a copy of my Authorized Users ID and SS cards on my account. I told the reps that it was not fraud and not a issue. I was under the impression I only needed to send in the current Authorized Users on my account. A few days later another rep told me I needed to upload proof of addresses for the Authorized Users. Then another time I needed to send in front and back of IDs for users that have been on my account from a few years ago than 25th I was told that I was Permanently Restricted from both my accounts. I wasnt told why or what else I needed to do. I was dial transferred to rep after rep and never give enough time or proper information to provide the needed documents to release my account. I was very confused as to what was needed and I sent in the wrong information do to human error on the two separate account the account in question was not the right account that I sent in the Authorized Users ID and SS for. I was give 18 names to provide information for on my XXXX XXXX XXXX XXXX this account is what names I was give. I have another account that is XXXX XXXX XXXX XXXX this was the account that was in question and what I uploaded was Authorized Users that were not on this account there was a ton of misinformation and my account never was resolved and I was not allowed to remedy the issues.
Product: Credit card or prepaid card

I got the XXXX Synchrony bank card a couple of months ago because I do a good amount of sport card purchases and selling on XXXX as a hobby. They had a really good reward point plan like 5x until the end of the year and I was trying to take advantage of the program by using the card on all of my XXXX purchases. 

It only had a {$5700.00} limit so I had to make payments mid cycle to increase spending limit as to make more purchases. 

They constantly put like 10 day holds on all of my payments to slow me down for the past 3 months or so. I missed several opportunities to use the card and accumulate addition points due to these excessive holds. 

Today I was going to get like {$1000.00} worth of points to buy items on XXXX and was excited to do so after months of card use as you can not use the points until a cycle or XXXX after the purchase date. The card was declined when trying to purchase the items from XXXX. I looked online, utilized customer service chat and called the company to see why my card was not working. It turns out they cancelled my account without notice on XX/XX/21 and were sending me a letter with a detailed explanation as to why. 

After 2 additional hours on the phone with the company on hold and transferred to multiple run arounds I was finally told the reason for cancelling the card was high risk of not paying balance. From customer service I was redirected to the billing department who confirmed I had no balance issues and no delinquent payments. I was then sent back to customer service where they said the credit bureau report caused the cancellation by the system and there was nothing they could do about it and nobody that could fix it. This information was confirmed by a supervisor. 

Important side note is if your account gets cancelled you forfeit all of your points. 

They have no evidence of lack of ability not to pay balance. Zero missed payments or late fees anywhere. Coupled with a credit score near 800 seems a bit fishy and a move to avoid paying out my mega point bonus!!! 

Seems like they are using the ability to cancel cards in the contract to benefit themselves and when somebody is set to benefit from their rewards a bit too much they will cancel your card and forfeit all your rewards conveniently. Probably dont cancel any contracts they are making a profit on Please review and look into this case as it seems highly irregular that my card was cancelled. The reason for cancellation is completely inaccurate and without any evidence. This appears to be an abuse of the consumer to clearly benefit them and not the consumer. 

Having accounts closed like this negatively impact ones credit score and I have already received alerts about my credit score due to this inappropriate card cancellation. 

Thank you for your time and effort in the review of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX  account XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  bankruptcy account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have a 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
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Bank of America for violating my consumer rights. The bank failed to provide me the option to opt out before sharing my personal financial information with third parties, including other financial institutions and consumer reporting agencies, which is a breach of both federal ( Gramm-Leach-Bliley Act ) and New Jersey state laws ( NJCFA and NJ Identity Theft Prevention Act ). Despite informing Bank of America that I did not consent to this sharing, they responded by referencing their Privacy Policy, which allegedly allows such practices. However, their policy clearly states that they must comply with both federal and state privacy laws. 

I have never signed any contract permitting Bank of America to share my nonpublic personal information. I requested a full accounting of my account, including documentary evidence, to verify the funding and outstanding amount. Bank of America has only provided a copy of the Promissory Note, failing to comply with the Truth in Lending Act ( TILA ) requirements. 

Moreover, the bank has ignored my explicit instructions to send correspondence to a specific address, continuing to send mail to an inconvenient location, violating New Jersey 's consumer protection laws. This action constitutes identity theft under 15 USC 1681a ( q ) ( 3 ) and is a deliberate effort to deprive me of my rights under 18 USC 242 and collect on credit by extortionate means ( 18 USC 894 ).

The Promissory Note is void and unenforceable, as it violates TILA, UCC, and COM regulations. The alleged creditor, Bank of America, has no valid agreement with me and is in possession of my personal information through identity theft. I seek damages for these violations, including breaches of NJCFA, NJ Identity Theft Prevention Act, FCRA, TILA, UCC, and COM.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX University reported to the credit bureau Transunion that I owed {$14000.00}. I took a class at XXXX XXXX in XXXX and my then employer agreed to pay for the class which was {$3000.00}, not {$14000.00}. For one, XXXX XXXX should have either contacted me or the employer for the payment, versus going directly to reporting to the credit bureau. Secondly, the amount reported is fraudulent and I plan to file a complaint with every agency that I can think of. I am beyond frustrated with my experience with XXXX XXXX. I attended school here from XXXX to XXXX pursuing my XXXX in XXXX. Every semester that I would speak with my advisor, new classes would arise that I needed to take in order to receive my degree. Instead of it taking 2 or 3 years, it took me nearly 5 years. Then by the time I did XXXX, I had almost enough classes for a XXXX, but NOT enough classes to sit for my XXXX. This was my sole purpose of pursuing an XXXX, in order to take the required classes to sit for my XXXX. Then, I still had to take an additional class, which brings me to where my employer agreed to pay for the final needed class. I would never suggest anyone to attend ; they are scammers falsely representing a XXXX based University. 
My main concern at this point is to have the {$14000.00} negative, fraudulent activity removed from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XX/XX/XXXX
Product: Mortgage

On XXXX/XXXX/XXXX I had water damage to my home. My insurance company, XXXX covered the claim. The check for the damages was written to both PennyMac and myself. I endorsed the check and submitted it to PennyMac. I notified them that all work was completed. When they had not released the funds by XX/XX/XXXX, I called to inquire. They said they were still in need of a final inspection. The inspection was completed on XXXX XXXX, XXXX. When I still had not received the release of funds, I called PennyMac XX/XX/XXXX. The agent looked over my file, apologized for the delay and said that funds were now going to be released and that I would receive a check in approximately XXXX business days. Two days later another agent called me. I returned the call and was told that they required signatures from me and my contractor for the original bid. She told me the forms would be emailed to me within two days. Now, on XXXX XXXX, XXXX, I still have not received the forms. On the copies of the documents I have, the bids are signed. I called PennyMac Loss XXXX Department and spoke with a manager, XXXX. XXXX said she would " look into it ''. She placed me on hold for over 30 minutes and then the call was disconnected. I have explained the importance of getting this settled immediately. My family is moving. Our has is under contract with a buyer and scheduled to close on XXXX XXXX. The sale will likely be blocked by a contractor lien if PennyMac does not release the funds.
Product: Debt collection

I received an alert from Credit report monitoring service that negative information was posted to my credit report by I.C. System. I did not know what it was about so I contacted the collection agency. They said that they sent XXXX letters regarding the debt from Medical Doctor office and have not received any response from me so they have posted debt to my credit report. 

I have not received bills either from that doctor office or from I.C Systems. The bill was from XXXX XXXX when I was admitted to hospital with emergency child delivery and I paid hospital in full. I had no knowledge of bill coming from other doctor office. 
When I called I.C systems they kept saying that I was supplied the bills and have ignored them. I always pay bill on time, never had debt reported and I clearly was not aware of this. 

I followed up directly with Doctor office and they advised to deal with I.C XXXX. They said that letters were sent and returned by Post office as they were missing apartment number. They did have my phone on file but have not contacted me to notify about the bill. I am yet to file a complaint regarding this doctor 's office practices. 

I decided to pay I.C System in full ( {$300.00} ) as they now had my debt and I needed it removed from credit report. I made a payment in full on Monday, XXXX XXXX, XXXX. They said they will send update to credit report the following week. 

On XXXX XXXX I received a letter in the mail from IC Systems dated XXXX XXXX, XXXX that looked like initial letter from this company. It notifies me that they would like to collect a debt from Doctor office and would like to make payment arrangements. They even offered to use tax refund ( if there is one ) to cover this bill. There was no mention that they have already reported this to Credit Bureau. 

I believe the I.C System did not follow procedures. They reported debt to Credit Bureau before sending request for payment to me. I would have paid the debt and I do n't need to have it reported. In fact, I would have paid it to the doctor office if they did n't fail to contact me. Instead the lady from I.C System was rude and kept saying that I was delivered XXXX letters from them and previously from doctor, that was not the case. The 1st letter I received was the above mentioned.
Product: Student loan

I am not 100 % sure if I have submitted this before. I read of action you are taking against XXXX, part of Sallie Mae, which prompted me to send this in. I missed out on 6 years of potentially PSLF eligible payments thanks to their ignorance or deception - whatever it was. I have always been a pretty savvy and inquisitive consumer, so I look to learn all I can and make informed decisions - which Sallie Mae never made easy. 

I was on a 25 year repayment plan starting in XXXX to keep my payments manageable. They said my payments may go up if I went for IBR, but then never gave any guidance on how to learn what the new payment would be based upon my income so I could know if it was a wise decision or not. I checked with them about once a year to see if any new programs that would help me existed, but it felt like they wanted me to either stay on my plan, or move to the 10 year standard repayment. Information about any other plan always seemed to be presented in a discouraging way. For example, when I asked about IBR, their guidance was just to move to the new plan, and they would tell me what my new payment would be when they figured it out. I could n't afford to gamble on my payments going up too much above where they were, so I did n't. Turns out years later and with a much higher income on PSLF, my payments are STILL lower than they were on my 25 year payment plan! My suspicion is that if Sallie Mae 's records of my payments from XXXX till I consolidated with Direct Loans in XXXX and compared them to my tax returns, many if not all of my payments would have been PSLF qualifying. 

Sallie Mae never mentioned that with IBR there was a cap on number of payments ( 20-25 years ) then any balance left was forgiven - they made it sound as if you had to keep paying till there was a XXXX balance - or perpetually forever in many cases. Since my monthly balance is higher each month thanks to the lovely miracle of compound interest, my spouse and I are counting on future PSLF forgiveness for the sake of our potential to weather old age as a childless couple. ( We do n't have kids because we ca n't afford to, nor do we own a home where we reside because the market here is too expensive. ) Sallie Mae also said for PSLF you had to refinance to Direct Loans ( XXXX - XXXX services my loans now ). I was also aware that my interest rate would go up up I refinanced, so I was reluctant to do so without good reliable information - which they were not good about supplying. 

Does this action go against Sallie Mae, or just XXXX division? 

Please share this as appropriate. I would love to have my story help someone else avoid these pitfalls! Thank you for what you do for consumers - you are truly and deeply appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported on XX/XX/2017 that it had experienced a data breach exposing private information regarding approximately 143 million US citizens. This incident compromised these persons social security numbers, birth dates and addresses as well as other sensitive information. This breach was discovered on XX/XX/XXXX of the same year, meaning that Equifax withheld this information for over one month while leaving millions of consumers vulnerable. Ultimately, Equifax gathered ALL the information needed to steal the identity of 143 million United States citizens, placed it on a server that was vulnerable to external breach then hid this incident from those impacted for over 5 weeks. 

Equifax has proposed a " solution '' to this issue, however. A website was set up to where persons suspecting they were involved can verify this fact. I checked and found that my information was leaked among the millions of others. Equifax then offers ONE free year of " credit monitoring '' after which you must pay them for regular update on your credit profile, which they have left compromised. 

This, for obvious reasons, is a remarkably insufficient response to such a monumental incident. The information stolen will retain its value for as long as those involved remain alive. This breach WILL result in stolen identities stretching into the next century. Those whose information was included will NEVER be free from this cloud of uncertainty. 

There is no blanket, ca n't miss solution for those who are impacted. Personally, I have frozen my credit and opened a subscription for XXXX credit monitoring which I will now have to leave running for the remainder of my life. At a cost of over {$10.00} a month this will total in excess of {$5000.00} over the remainder of my expected life and much more for those younger than myself. 

The lack of security that directly led to the data breach is an embarrassment to this corporation. The delay before informing those who have been left exposed should be a lasting embarrassment to all involved in that decision. The proposed compensation is an insult to any thinking person considering the scope of this situation. The fact that no one will be held accountable for the monumental negligence involved in this incident is, quite frankly, an embarrassment to the United States of America.
Product: Debt collection

XX/XX/2018 I received a letter form this said company Resurgent Capital services. 
On a debit not owed by Me it said the original debt was XXXX XXXX, who i do not have on my credit report current owner XXXX XXXX, ref # XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and distress they are causing me.