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

I purchased a XXXX XXXX ( which I found out later I paid too much for, was told I had to buy certain packages, it was the only car I could buy, I needed to buy extra insurance and umbrella policy ) XX/XX/XXXX. When I found out about these things several months later I tried to cancel them and I was told I wasnt allowed to. I kept the car several years experiencing mechanical and electrical issues the entire time. In XXXX in was in the dealer shop more than I had it. I started talking to XXXX XXXX about purchasing back the car. XXXX XXXX became very ill needed XXXX XXXX XXXX and I couldnt deal with the car situation. In XXXX I got locked inside my car twice. Once I was finally able to get it to unlock buy turning it off and on over and over, the second time a locksmith came out to get me out. We also had issues with the drivers seat going all the way back into a laying position it did this while I was driving and caused an accident. I called XXXX again with the concerns. Getting them to approve the buy back took a long time. I was terrified to be alone in a car and wouldnt be in that car. The cost of the car was almost XXXX and I couldnt afford to pay for it and another car. So I was forced to stop paying. The process with XXXX took a long time due to the difficulties working with them putting us farther behind. We didnt use the car because it was unsafe XXXX XXXX. One day XXXX XXXX car pool didnt show up so my XXXXXXXX XXXX  drove him in the car. XXXX XXXX  ran inside XXXX XXXX  work to use the bathroom and when he came out the car was gone. They repossessed the car leaving my XXXX XXXX without transportation and in his wheelchair in below XXXX weather. I have since tried to work with them to get the car back but they are demanding XXXX and that it is the reinstatement cost per their policy. I explained that XXXX is buying the car back because it is a safety risk and should not be driven. Wells Fargo states that they are within their rights to auction it off even if it a safety risk. This was per a manager XXXX. They have been really nasty and unreasonable even though there has been a plan in place to pay off the entire loan. I really need some help with them.
Product: Debt collection

I have a judgment against me for a private student loan with XXXX XXXX. There was a settlement that was entered on my behalf, but without my consent, they are trying to garnish my wages, and I have tried to resolve this numerous times.
Product: Checking or savings account

I opened a checking account with Navy credit union in XXXX. I gave the teller all of my information and she claimed the machine that issue the debit card was not working, she gave me a card with a number to call the company that issues the card which I did. After a week of not receiving the card I went to the bank and got another card. I later found out the {$5000.00} dollars that I deposited was depleted in one day around the city of XXXX  XXXX. The bank investigated and saw an older female using the card at ATMs. They questioned me as if l gave that person my ATM card, whom I did not know.The teller and I were the only people who knew the code # and my zip code. I also did not receive the card in the mail because it was already activated by the teller at the credit union. Even if I dont get my money back, I want others to be aware of employees at banks and giving them personal information to get into your accounts. This is my third attempt to retrieve my money, I also wrote an email to the CEO of the credit union. I have not heard anything back.Thank you.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have a  VISA Signature  credit card issued b  y Citibank.
I have enrolled for automatic payments of the minimum a  mount due to avoid late payment fees.     I usually pay the last statement balance to avoid interest charges.     The problem I am going to describe below is documented in a PDF file that contains a screen shot of the payments webpage of  Citibank  containing the pertinent information.     Yesterday,   XXXX   XXXX    2017 I lo gged in to the  Citi Visa w ebsite to pay my last statement balance. The webpage showed the minimum due, and the additional payment  ( {$1800.00} )  that had to be made to pay the statement balance  ( {$1800.00} ) . I submitted this additional payment, and the page showed " Remaining  Statement Balance Du e  XXXX - XXXX -2  017  {$0.00} ".      HOWEVER, JUST MINUTES LATER THE PAYMENTS PAGE ONLY ACCOUNTED PAYMENTS FOR {$1800.00}, WHICH TRIGGERS AN INTEREST CHARGE FOR PURCHASES.     I reported the problem at least 3  times ( and spent a substantial amount of time doing it ), and the agents always say that system shows that the minimum payment was not paid, which contradicts Citibank Visa own web page ( as you can verify in the above mentioned PDF ).      At the very least this is a software defect, and potentially it is a ploy to charge interest on purchases with the justification that the balance due was not paid
Product: Mortgage

My name is XXXX XXXX XXXX XXXX XXXX XXXX. I contracted with XXXX XXXX at Global Financial to assist in finding me a loan to purchase property at XXXX XXXX XXXX, XXXX XXXX, AR from XXXX XXXX XXXX, XXXX. I sent her a cashiers check in the amount of {$2800.00} which was to be returned to me if they were not successful in securing a lender of my satisfaction, which they were unable to do. On XX/XX/2019, I requested that the money be returned to me. This has not happened and the XXXX has stated that the owner has given her several statements as to when the money will be returned. I would like to file a complaint with your department in the hopes of retrieving my deposit which I was assured would be placed in escrow and returned to me upon them not being able to meet their obligations to me. 

XXXX XXXX has now informed me that the owner of Global Financial has died and his wife is now running the company. Her name is XXXX XXXX, phone number XXXX. I spoke with her and she gave me a response that she would send me a check in two weeks after she told Ms. XXXX ( according to her ) that the check had already been cut and would go out the next day. I have tried to contact Ms. XXXX again numerous times and have not been successful in reaching her. She has not returned messages that I have left. 

I have attempted to file a complaint online but was not successful. I am not sure what I was doing incorrectly. I fill also follow-up this email with a phone call to your department on Monday.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts on my report that have a XXXX  balance and I have sent several letters disputing these accounts. I have asked the agency to investigate this and send me whatever information they have to prove that they are my accounts. I have never received anything other than a credit report stating that I the consumer disputes the account. 
The accounts include XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent out an opt notice that I have attached to U.S. Bank per 16 CFR 313.7. U.S Bank disclosed my personal information to nonaffiliated third parties including XXXX, XXXX, and XXXX. This directly goes against the Privacy Act of 1974. I sent U.S Bank a letter notifying them of this issue on XX/XX/XXXX and I have not received a response or a resolution of this issue.
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 Customer 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect.

According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history.

Please update my credit report accordingly and provide me with a confirmation of these corrections.
Product: Credit reporting or other personal consumer reports

According to law 15 USC 1681/1681S-2/1681 ( 5 ) 1681c ( b ), according to XXXX XXXX XXXX in 1997 ; XXXX is supposed to ensure maximum accuracy Please delete these inquiries ( ASAP ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I sent XXXX through my XXXX account to Elite Travel ( XXXX ), for a trip to XXXX from XXXX XXXX. I was given this inforation about the company through a friend who works for an airline. This company offers deals traveling, all inclusively to the XXXX, XXXX XXXX, or internationally for a discounted price. During this time XXXX XXXX only accepted " XXXX '' payments bevasue of COVID 19. Once the documents were signed ( via online ) with dates of the trip and the hotel that was " reserved '' ( XXXX XXXX ). I changed the dates ( in the beginning of XXXX XXXX of the trip to the beginning of XXXX, because of COVID-19. I have not received any confirmation update about the trip. 

I called customer service and the representative stated the they will be back in the physical office on XX/XX/XXXX and then I would receive an updates confirmation. 
The representative stated the the hotel would contact me 15 days prior of the trip, even if the reservations was cancelled ( which is a call I have not received ). 

XX/XX/XXXX had arrived and went and I still have not received any confirmation. I then contacted the company again on XX/XX/XXXX, asking for a conformation. The representative stated that I would not receive one until 15 day prior to the trip ( which was stated for the first booking and I was never contacted ). I asked to speak to the supervisor and was given an email ( XXXX ). I sent an email on XX/XX/XXXX and XXXX and did not receive any reply. I attempted to dispute it with my bank ( Wells Fargo ), but because it was a " XXXX '' transaction I was not able to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was forced into bankruptcy in 2017 due to my daughters serious XXXX  XXXX. XXXX XXXX  refused to work with me on payment arrangements and kept stating they never received necessary paperwork that I submitted multiple times. I had to contact attorney and file chapter XXXX bankruptcy. I paid everything in less than two years. Now this past week I found out my credit bureaus were all frozen for almost one year. All three credit reporting agencies my report is blank as if someone erased all history. I have been paying my house on-time and or early since 2017. I filed for refinance and this is how I obtained my information was erased in writing from third party. I have contacted XXXX XXXX numerous times they will not return my calls nor answer my questions. Now my credit is so bad I was turned down for refinance on my house. No one at XXXX XXXX  will discuss or address my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit card company keeps placing old and duplicate information on my credit reports
Product: Vehicle loan or lease

Purchased a new car on XX/XX/XXXX with a car ( XXXX XXXX ) as the trade. Old car financed with BMW Financial Services, new car financed with BMW Bank of North America. I tried unsuccessfully to work with the dealership to finalize the payoff on the old car. On XX/XX/XXXX, I contacted BMW to request help. Response on XX/XX/XXXX below. 

Since that time I now have the new car loan and the old car loan on my credit report. In addition, I do not have possession of the old car and canceled the insurance. At this time, I am concerned I am also responsible should anything occur on the car. 

I have communicated with the dealership the concerns to which the dealer has indicated it is due to a cross state transaction. This is not acceptable and I am now forced to make two car payments so as not to impact my credit score.

The response was : BMW Representative Financing Account : XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX Dear XXXX XXXX : Thank you for contacting BMW Financial Services regarding your account. We are happy to assist you. 

We apologize for any inconvenience. We do not see your payoff has been received yet for this account. We recommend to allow 7 to 10 business day for your payoff to be received and for your account to be terminated. 

We are committed to providing you with the highest level of service. If you have any further questions, please respond to this message or consult a Customer Service Advocate at ( XXXX ) XXXX, Monday through Thursday from XXXX XXXX. to XXXX XXXX  ET, and Friday from XXXX XXXX to XXXX XXXX ET. 

Sincerely yours, BMW Financial Services NA , LLC
Product: Debt collection

Lendmark Financial is trying to collect on a debt 2 times which they have already sold or transferred to another company, and will not remove from my credit report after my several attempts of disputing. They have multiple accounts on my credit report for same company, different dollar amoounts which is severely affecting my credit rating. XXXX of their reps from the company told me they would removed the account from my credit report back on XXXX XXXX, 2016 because they longer had my account or file.
Product: Mortgage

Short sell of XXXX XXXX XXXX XXXX was approved by Ocwen and home listed as instructed on XXXX. Ocwen even argued the point they preapproved me after sending approval to my old adress. I followed all instructions after multiple requests for more and more paperwork to comply with their short sell policy. 

Then, they put the brakes on things AGAIN to try to get bids from unqualified buyers using XXXX ( no call or notice to my agent ) rather a straight denial letter and ignore a cash offer!!!!!!. They want to list the home XXXX AND NEVER mentioned this as a requirement, EVER!!! My agent presented a cash offer with validated funds, CASH!!! The buyer is ready to walk away from this deal due to these delays. If my home is foreclosed due to this delay, I request monetary damages for letting all my MONTHS of efforts go to waste and my credit destroying willfully. There is simply no excuse for the sixth delay, more surprises, and a clear attempt to make this situation as difficult as possible so they can foreclose instead.
Product: Credit reporting or other personal consumer reports

I disputed errors on my credit reports from XXXX, XXXX, and XXXX. Despite providing details and an affidavit ( attached ), they failed to act. 

Nelnet 's inaction violates the FCRA. I request the CFPB investigate and instruct them to : Investigate each disputed item in the affidavit. 
Remove any inaccurate or unverifiable information. 
Notify me of the results within 21 days. 
Failure to act will prompt further action, including legal action or reporting the violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my report that are there after finally reviewing my report. In the past i have shopped at classic XXXX and at XXXX XXXX both stated that they would only run my info through their dealer and there are way more inquiries on my report. 
XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via 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 via XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX via XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

For more than a year I have attempted to close my accounts with PayPal/Synchrony Bank not only because of permitting scammers to charge OVER {$1000.00} ( An issue which was resolved by transferring the total amount of one card to a reputable bank and completely paying off the balance on a " prepaid '' account ). The company also gave my direct pay bank account information to XXXX XXXX for which they withdrew a direct payment of {$6.00} membership fees. Because of this violation of this company 's own privacy policy, I had my bank close the contacted account and create a new one for which I had to have printed and purchased new checks at my own expense. At that time I requested all accounts be closed which they have refused to do. I am attaching a copy their response. 
It is important to note all accounts have been paid in full for some months yet per the attached they refuse to close all and I have already found someone used my email address, changed the password and attempted a purchase. 
This will continue as long as this remains open.
Product: Debt collection

My wallet was stolen back in see XX/XX/2016 I happened to notice a collection account on my credit from portfolio recovery early this year and I disputed due to fraud with each bureau. So far XXXX and XXXX removed it. XXXX keep updating it after 3 disputes they still reporting inaccuracies on my credit report. Its XXXX from portfolio recovery.
Product: Credit reporting

Transunion had a glitch in their system that violated the rights of consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that ALL inquiries be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/1989 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX HM XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

SYNCB/POLARI : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX Credit Card, paid late, they sold it to XXXX XXXX XXXX XXXX XXXX did a great job of helping me ). XXXX XXXX still shows that i have an active account with them even though I have a paid in full letter from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosedcopies of the Federal Trade Commission 's Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVEIW A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT