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

My previos car I had was a XXXX XXXX XXXX, and I had that for about a 1.5 years before refinancing my car. My car was totaled in XXXX, and at that time my credit was low due to my credit cards being maxed out, and I was in the process of paying them down. Which now my credit score is over XXXX, and will be going up more, because I just paid on all credit card a big chunk. I was forced to get another vehicle. When I went to the dealership, and told them my situation. I told them I wanted to be put back to where I was before my car was totalled. I was shown a XXXX XXXX XXXX. I finacned it for XXXX and something, and the interest rate is 25 %. It shows on my credit I am paying over 26 %? From the beginning when I first got the car there was a lot of problems. The dealership had the car for a very long time. I think for over a month, because the dealership paid my first carpayment. With all the bad things happening with the car I told them I didnt want the car anymore, and wanted to back out of my contract. which it was still in my time frame to do so, but i was denied. I have had this car for i think like 15 months now, and I still owe on my car what i owed on it when I finaced it. XXXX XXXX shows I am neg 3 % on my car payment. how is that even possible.? I have read that Santander Consumer USA was in a lawsuit for this same thing. They wont let me refinance it, and when i went somewhere else to refinance i was told that i owe too much on this. They gave me this car with a very very high interest rate hoping i would default, and they are making it impossible to even pay on my car. i tried to change my due date on my car payment, and they wouldnt even let me change it again due to a 21 Day policy. They are applying fees here and there, only a small handfull of payments something was put towards the car payment, but aside from that my car payments have all went to the prin. They are making it vertually hard for me to keep this car, and I dont understand how i still owe so much on this car. I see that they were in a lawsuit before for this same reason, and when i XXXX trying to figure out how i can get out of this mess, i found that they had a class actions suite against them. I found a number to call to talk to someone about the lawsuit, I called the number, and the recording gave me another number. i called that number and it was an attorney, and i am assuming that he handled the last lawsuit, and he advised me to come on here and file this complaint. I have no idea what else to do or where to turn, but the amount of stress and tears every day isnt something someone should have to go through, and this is fraud, illegal activity, and should be stop.
Product: Credit card

Bank of America mailed me a new credit card to replace an expiring credit card that did not require activation due to it having the same number/information. 
There was no tracking provided by the Bank of America and no signature was required as the card was sent by regular mail service. 
I never received the credit card and I only knew the card was in existence when I got a notification that my card was declined at XXXX for {$240.00}, after it was fraudulently accepted at XXXX XXXX  minutes prior for a charge of {$160.00}. ( XXXX ). I immediately checked the expiring card, that was still in my possession and locked away in my safe unused for over a year. Therefore the card was declined was the new replacement card that I never received. 
I had given all of this information to the Bank of America representative and filed a claim ( immediately after notification was sent to me XXXX at XXXX XXXX  ). 
My shopping patterns show that I have never shopped at athletic footwear stores, I do not shop in the area of the stores located and I have never spent that large of an amount of money on shoe wear in XXXX  years I bank with Bank of America. I believe these are all the reasons why the second purchase was rightfully denied and I was notified of fraudulent activity. 
My claim was denied on XXXX, a letter from Bank of America stating " Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as signed receipt or contract. We confirmed your card was used for the charge, the chip was read, your pin was entered and/or you signed for the merchandise or service, which indicates that you or someone you allowed to use your card was present. The temporary credit was removed and the charge of {$160.00} became permanent. 
On XXXX I made a phone call to the Claims Resolution Department of Bank of America ( XXXX ) requesting documentation used to determine their decision, as offered in the resolution letter. The representative informed me that there is no documentation/evidence from the merchant and the determination was made purely on the fact that I had the card in my possession. During my claim I repeated numerous times that I had never received the replacement card, which clearly was the card that was used. 
Bank of America claim number XXXX. 
I have also filed a mail theft claim with United States Postal Inspection Service on XXXX, claim number XXXX. 
I have been a loyal customer in good standing of Bank of America for XXXX  years and this lack of investigation, care and respect has me deeply troubled. 
Thank you for any help that you can provide in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit reporting agencies are listing numerous Credit Inquities which are not linked to any accounts that I am a holder of. I am Im the process of trying to purchase a home and these Inquiries are an issue. I understand that an inquiry should not be on my file unless I have authorized it so I am kindly requesting that these be removed from my credit because it is making it difficult for me to proceed with home ownership.
The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit.
2. Insurance.
3. Court Order.
4. Employments.
The following Inquiries are not related to any of the aforementioned permissible and I would like them to be removed. Some of these Inquiries are so closely dated that I am certain they are unauthorized.
1. XXXX XXXX DatedXX/XX/XXXX ( 3 Bureaus ) 2. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 3. XXXX XXXX XXXX DatedXX/XX/XXXX( XXXX ) 4. XXXX XXXX DatedXX/XX/XXXX ( XXXX and XXXX ) 5. XXXX XXXX DatedXX/XX/XXXX ( TransUnion ) 6. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 7. XXXX XXXX  DatedXX/XX/XXXX( 3 Bureaus ) 8. XXXX Dated XX/XX/XXXX ( XXXX ) 9. XXXX Dated XX/XX/XXXX( XXXX ) 10. XXXX Dated XX/XX/XXXX ( TransUnion ) 11. XXXX Dated XX/XX/XXXX ( TransUnion ) Please do not hesitate to correspond with me if you need further information and I am grateful for your kind assistance.
Product: Credit card or prepaid card

My bill was due on XX/XX/XXXX. I paid 1 day late ( XX/XX/XXXX ). I was charged a late fee of {$39.00} on XX/XX/XXXX. This put me over my credit limit by {$1.00}. I was then charged an overlimit fee of {$39.00}. I think that the law is that they can not charge an overlimit fee that is greater than the amount that is overlimit ( in this case {$1.00} ). This identical issue happened on XX/XX/XXXX. This time the overlimit amount was about {$8.00}.
Product: Debt collection

Pra Group XXXX from XXXX, XXXX  keeps collecting on debt that I don't owe. Calling me on the phone, and mailing me. Everytime I speak the company it's XXXX XXXX american women. The Bank XXXX XXXX debt is old from XXXX XXXX. We tried the debt via the court system, and I don't owe per the judge. XXXX XXXX XXXX XXXX judge XXXX. Case from ( 2015 ) I think there is a health problem with the business because the case was tried in 2015 years ago.
Product: Credit reporting or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as correct or update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX  Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. With that in mind I have sent proper documentation and you all are refusing to remove the fraudulent inquires. So again I am a victim of identity theft and the following inquires were not performed by me and I am requesting you to delete them : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) The XXXX  account that was open has been closed due to identity theft so you all should receive correspondence where the account has since been closed. You all dont have the right to tell me that something was done by me due to the fraudster having all of my information. The inquires are a result of fraud and I am requesting them be deleted
Product: Credit reporting or other personal consumer reports

My credit score was XXXX in XXXXXXXX XXXX XXXXXXXX. I check it several times each month. When I saw that my credit score had dropped by XXXX points in a matter of days, I was extremely upset. Transunion is responsible for lowering my score. 

On XXXX XX/XX/XXXX, I call Social Security Administration and requested that my monetary benefits be transferred from XXXX  XXXX XXXX to my account at XXXX XXXXXXXX XXXX. Unfortunately, the woman I spoke with could barely speak English and as a result, she transposed one digit of XXXX XXXX routing number. When XX/XX/XXXX arrived, my money was NOT in my XXXX account. 

I then began the tedious process of trying to locate my income. After calling SSA several times ... .several days in a row, I was told that I " had to go to the nearest SSA office, '' which is a 2 hour round trip drive, plus the long hours spent sitting in the SSA office until a worker finally has time to help. The worker clicked a few keys on her computer and said " your money will arrive at your bank within a couple of days. '' It did not arrive. 

SSA finally deposited my income on XXXX XX/XX/XXXX. This was too late for me to make an ontime payment on my VISA. So, my score plummeted through no fault of my own. 

Also, earlier XXXX had offered to increase my credit limit by {$1000.00}. They alreayd knew my credit score, but decided to do a deep dive into, which of course, lowered the score by a few points. 

Social Security is at fault for not hiring people who speak English and transunion is at fault for causing the bottom to fall out of my credit score. 

I will be XXXX XXXX XXXX in a couple of days. During XXXX and XXXX of XXXX, seven members of my family were called home to Heaven. Two of them were age XXXX and died suddenly ; another was my brother, retired XXXX XXXX and XXXX. My sister-in-law XXXX XXXX XXXX XXXX XXXX  died. Another sister-in-law suffered as XXXX and died. Her XXXX XXXX XXXX granddaughter as in the hospital room with her. The giril died hours later.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX : disputes were filed with Transunion, XXXX and XXXX regarding 4 bankruptcies that are on my credit report. 

Reported by : USBK COURT XXXX WISCONSIN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Chapter XXXX reference # XXXX filed XXXX Chapter XXXX reference # XXXX filed XXXX chapter XXXX reference # XXXX filed XXXX Chapter XXXX reference # XXXX filed XXXX After filing multiple disputes online and getting a response that it was verified, I sent out XXXX letters to each bureau on XX/XX/XXXX, requesting the credit reporting agency to send verification on how the bankruptcy court reported this information. I have not heard anything back from either credit bureau. 

I contacted USBK COURT XXXX WISCONSIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX on XX/XX/XXXX and requested information regarding the courts procedures for reporting information to credit agencies. I got a letter back dated XX/XX/XXXX stating the court does NOT report information to ANY credit agency. 

Therefore, I believe these 4 bankruptcies should be deleted from my credit report due to the " reported agency '' not reporting this information to the credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Affirm which I did let go past due, but I paid it off in full not long after. Affirm has reported and is still reporting the account as open & late, even though it has been paid in full and should be closed. I have disputed this report & the status was not changed.
Product: Credit reporting or other personal consumer reports

I received a letter from my mortgage company, XXXX XXXX, stating " CongratulationsXX/XX/XXXX has received and processed your loan modification agreement. '' And the first payment of {$1900.00} will be due XX/XX/year>. I submitted my first payment on XXXXXX/XX/XXXX as agreed per the contract. I recently took a look on my credit reports and noticed that XXXX has reported that my payments for the month of XXXX and XXXX of XX/XX/XXXX were late. This is not true. I have written them several time and they still have not deleted those 2two items. I also sent a copy of my signed agreement showing that my loan modification did not start until XX/XX/year>. I would like for XXXX XXXX XXXX to correct those two late payments on my reports, and take them off. I have included a copy of the the letter.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> ano notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. In acordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) 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 a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. I also asked for the original contract to be provided and it was not.
Product: Payday loan, title loan, or personal loan

Loan funds for payoff were sent in XX/XX/2021 to pay in full. Lender emailed saying they needed more information to apply funds received. Additional confirming information was provided. Multiple attempts and phone calls were made. The company confirmed the payoff funds were received by their treasury team. The loan was refinanced with funds from another bank.. After confirming through providing the check document which was cashed, the company refused to apply the funds as requested for the payoff amount. They instead cut a new check and returned it to the sender, the other bank. No attempts were made to contact me to follow up on the issue and the company refused to put any confirmation in email or writing. I am still trying to track down the check, which they say has been sent. This process has taken over two months and has been a nightmare, causing great hardship to my family.

LendingClub refuses to acknowledge receipt of funds. LendingClub is trying to avoid paying off my loan, so they can charge additional fees and interest. LendingClub refuses to follow up on any issue. This behavior is unacceptable from a regulated financing institution. Clearly the management and administration of funds and payments is haphazard and overly automated. This issue poses an operational risk.
Product: Debt collection

My father in law, XXXX XXXX died in XX/XX/XXXX. I have received numerous collection notices sent to my address, where he never lived. One in particular, Chase, continues to send settlement offers, despite the 7-8 calls I have made to them alerting of the deceased status. Most representatives have been cordial, one not so much, but they seem to be handcuffed by a policy requiring a death certificate. My mother in law has gone through enough so I asked for a picture of the certificate which was faxed to Chase on XX/XX/XXXX. I received yet another letter today and upon calling was told that the image could not be read. They claim I can not email it, must be faxed, which in this day and age is ancient technology. When suggesting they either use their scrub process or a manual lookup based on my information to verify, they claim policy will not allow that to suffice. The supervisor I just spoke with tonight says she will try to simply remove my address as I alerted he has never lived here, but could not promise anything. Asking if I can get a death certificate sent to them, which is not free to get or if I can have a copy taken to a physical bank branch, which yet again is an inconvenience. I simply want my wife to no longer be reminded of her father 's passing when she goes to the mailbox.
Product: Checking or savings account

Citizens bank continues to overdraft my account numerous times. Ive had enough! Stop these fees now! Give me an ability to freeze my account so I can control my balance. Please return my money, I am going to file a compliant every single day until my money is returned. This is not an honest business. You tell customers banking is free but then you literally steal thousands of dollars per account each year at an APR of 1000 % +. This is not a bank this is a mafia.
Product: Credit reporting or other personal consumer reports

I sent Transunion a dispute on XX/XX/2023 in regards of inquiries but have yet to get a response in regards to the documents because these items were not done by me.
Product: Money transfer, virtual currency, or money service

I bought XXXX bitcoin  on XX/XX/XXXX. On XX/XX/XXXX, bitcoin price shot up and Coinbase reversed the transaction without warning or explanation. The price of the coin was {$38000.00} on XX/XX/XXXX and the price was {$46000.00} on XX/XX/XXXX. This delta ( {$7600.00} ) was not paid out when the transaction was reversed. Further, I did not sell the bitcoin and the price continued going up. 

I have filed a help ticket and have not gotten any response.
Product: Checking or savings account

First off my phone number is XXXX so it was updated. 

Various banks have refuser me opening a checking and saving account XXXX Bank can't even process my application PNC Bank won't open a account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Attn : LATE PAYMENT XXXX  XXXX Consumer Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To Whom It May Concern, I just pulled my credit report and discovered that a late payment account # XXXX Around that time, I temporally was in between employments, at the I was going through a divorce and moving back home however I was able to get a new job assignment and was once again able to make a payment to satisfy the remaining balance on credit card payment. 
I am just now realizing I had a membership fee and I never fall behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my credit cards, making them a priority. 
I wish I could reach back and fix it, Im not proud about this negative spot on my report, but it's the only one I have, and I would be extremely grateful if you could honor this request to remove the charged off status from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score.

If the late could be removed entirely, I would still be appreciative if you could make a goodwill adjustment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian Web site has repeatedly declined my requests to add a Security Freeze to my Experian credit file. First, for consumers like me with an Experian online account, information on adding a Security Freeze is difficult to find when logged in. Despite highly visible information on how to lock ones credit file ( at $ XXXX/mo. ), theres no upfront information on how to freeze ones file ( one-time {$5.00} fee ). Instead, the customer must search deep into Support information to learn about Security Freezes. This may increase the companys revenues by channeling customers to the higher cost option, but it provides a disservice to many customers who need only a freeze. After finding the online application to add a Security Freeze, I completed it, but it was declined. ( The application and decline are hereby attached for reference. ) Instead, I was asked to mail in a hard copy application. Because a mail-in application entails significantly more time, effort, and cost to me, and because I would thereby expose my sensitive personal information to additional risk of theft, I demand the company fix their online application process, so that a Security Freeze may be added securely and expediently by electronic means. I wish also to refer to my CFPB complaint # XXXX, in which I document how Experian Web site errors recently prevented me from monitoring my Experian credit report, as an another indication of how poorly Experian is serving consumers.