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

My name is XXXX XXXX I purchased my vehicle on XX/XX/XXXX, from XXXX XXXX  XXXX XXXX XXXX, XXXX, MI XXXX. When I purchased my vehicle it was already a two-year-old XXXX XXXX XXXX. And the As-Is purchased price was {$15000.00} I made payments from XX/XX/XXXX, until XX/XX/XXXX. At the time of my accident, I had paid Santander {$22000.00} to Santander Consumer USA. I submitted my claim to my Gap insurance company XXXX XXXX XXXX XXXX ( XXXX  ). The GAP insurance should have paid the remaining balance of {$5100.00} but paid {$77.00}. XXXX dollars. And Santander has charged me {$22000.00} so far and now asking for an additional payment of {$5100.00} for my used, totaled vehicle XXXX XXXX XXXX. Of which was savage and paid off by XXXX XXXX XXXX paid over {$6100.00} shortly after my car accident. I was under the impression that everything was paid in full. I received harassing phone calls and statements through the mail from Santander Consumer USA. The problem is I paid Santander {$22000.00} more than the purchased price AS-Is- the price of {$15000.00}. The purchase in XX/XX/XXXX of a two-year-old vehicle was {$15000.00} they overcharged for the vehicle before it was purchased. I paid {$22000.00} already. And now they what me to pay an additional {$5100.00} after the vehicle was totaled on XX/XX/XXXX. And the insurance paid {$6100.00} and I had full coverage and GAP insurance. The GAP only paid {$77.00} because they stated my full coverage paid {$6100.00}. That does not matter if my insurance company paid their part GAP should have picked up what was due. And Santander should not be harassing me at all period? Please help me recover money if I can for the overpayment of the XXXX XXXX XXXX. I believed I was overcharged and there is some kind of law that protects buyers from being overcharged on used vehicles. As well as hold XXXX XXXX XXXX { GAP } accountable for making the necessary payments on my behalf. By paying the existing balance of the salvage, totaled XXXX XXXX XXXX vehicle. Can you have whomever you forward my documents to? Check for all wrongdoing on whomever part. I have enclosed all the documents in my possession on the XXXX XXXX XXXX. I can be reached by cell at XXXX XXXX and on my home phone at XXXX XXXX or by XXXX XXXX.
Product: Checking or savings account

My identity was stolen in XXXX, and certain accounts were opened in my name. One was with XXXX in which they have cleared, and one was with Citibank, in which they will not clear, and saying that I opened the account! I have gone in to the branch repeatedly and have called, and basically have gotten nowhere with them. I did not open any of these accounts!
Product: Vehicle loan or lease

Stop the harassment as expressed in 1 ) repeated collection attempts and 2 ) a refusal to delete the mention of 'Ally ' from my credit reports ( all credit reporting agencies ). 


I am a veteran who has been trying to buy a house for my wife and family for years. 


In XXXX or XXXX of XXXX, auto lender Ally Financial surprised me in saying that they expected $ hundreds more per month than the amount I agreed to pay. 

My wife ( with me at dealership XXXX XXXX in XXXX, PA, during negotiation ) and I told Ally that I had agreed to ~ {$480.00}. The Ally representative said she would look into it. 

Ally reported to us that there was no contract error ; they also said they would continue looking into the matter. 

My guess is that the dealer sent an incorrectly created, unsigned contract form to Ally Financial XXXX. 

Under duress that the car would be repossessed, we struggled to pay amounts Ally representatives insisted we owed. 

Our XXXX XXXX XXXX was repossessed ( stolen ) by Ally Financial XXXX XXXX XXXX XXXX XXXX. Subsequently, my credit reputation was severely damaged. From a combination of paying the much higher monthly payments and the damaged credit ratings on all three credit reporting agencies, our family moved to a small apartment. 

We have been trying to buy a home for years. No lender would talk to us. 

A collector, Law office of XXXX XXXX XXXX, filed suit in XXXX XXXX courthouse. The judge closed the case because there was no proof that I agreed to the " contract '' that the collector presented. 

Additionally, the judge stated that the collector was barred from further attempts to collect. 

Ally continues to try to collect. My credit reports are still severely marred. Ally shows neither care, responsibility, nor fear in their continued harm and affect on our lives and finances.
Product: Credit card or prepaid card

Since about XX/XX/XXXX Bank of America has not fixed the identity theft that occurred with stolen identity. Checking accounts and Savings accounts were established using an unverifiable fraudulent address to open the accounts online. Bank of America refuses to close the fraudulent account that resulted from identity theft in the form of a checking account. They advised me even though the debit card had been sent to a fraudulent address and that I did not authorize any accounts to be opened with the Bank and even provided them with an FTC Identity Theft Affidavit that was submitted the local police department, they do not wish to assist me and do not want to resolve the complaints. XXXX has recently notified me that the email address XXXX, was and is found on the dark web and was sold by identity thieves. Bank of America Allowed these accounts to be established using said email address. Additionally Bank of America has allowed a Travel Rewards credit card to be opened from the same thief. This was opened XX/XX/XXXX. I advised Bank of America I did not open this account nor authorize it to be opened. Bank of America did not clear my Extended Fraud alert, and refuses to investigate the Identity Theft, Instead they say that Established payments were established using the XXXX XXXX Account that I had XXXX XXXX close due to identity theft, and the Payments made to the Bank of America Account were revoked and or marked unauthorized. The balance on this fraudulent credit account is {$2100.00} Which is being reported to XXXX. I do not authorize you to continually report a fraudulent account on my credit report. Additionally, Bank of America changed the address on this actual account to my address. AGAIN unauthorized, I did not agree to allow the address on this fraudulent account to be placed as my current address. MY Mail had been forwarded at the time the account was established. This has not been resolved is still ongoing and Bank of America continues to cause me monetary loss. Additionally, they will not allow any checking or savings accounts to be established because of the Fraudulent accounts that they have internally. These accounts none of them were authorized. I do not have business with Bank of America nor a relationship with the Bank. Please see the attached FTC Affidavit which is sworn under perjury. Additionally the FTC Notice to Furnishers which requires you to complete an investigation.
Product: Credit card or prepaid card

XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : WELLS FARGO CARD SERVICE Requested Cor

rection : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.
Product: Debt collection

I have asked this company to stop calling my job and they havent. This has been ongoing for almost a year.
Product: Checking or savings account

On XX/XX/XXXX, Capital One bank froze my checking account # XXXX. I called their fraud line and they said it was because of a XXXX investigation from a deposit in XX/XX/XXXX2021. They requested my XXXX taxes, which I provided to them. They did not provide the PPP loan I received ( XXXX XXXX did ) and they couldn't direct me to the policy in my deposit agreement with them to show me their legal right to freeze my account. They also could not provide any policy or direct information showing their directive from the SBA, which allowed them to do this, without any prior authorization. I now have no money to pay my rent, my car payment or feed my 3 children, because my account is in the negative. They also have taken the funds I did have in the account to offset the PPP loan amount. I have read this has been happening with other people, besides myself and I would like to know exactly what authority there is to have this happen to me, if any.
Product: Money transfer, virtual currency, or money service

I made a transfer of XXXX dollars last month ( XX/XX/2023, more than 25 days ago, and I didnt receive any amount on my account, also my bank in XXXX did not identify any transactions or deposits, at the receipt from North Lane theres an information that amount would be available 7 days after, maximum XXXX already made a lot of calls to North Lane to identify the problem and they said that the money would return to my balance, but unfortunately didnt happen, and now they are not even answering my emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just moved to the US and have a 1 month old SSN. Experian that was asked by my bank for a credit report won't provide them with any information. I also can't create an account, since I lived here for less then 6 months and for this reason they ask for my previous address, which was outside the US, while they only accept US addresses for this. Furthermore, I can't reach any human on the phone numbers that they provide, only unhelpful computer voices with a handful of choices that all want me to just go to their website and log in ( which I obviously can't do ) and then directly hang up on me.
Product: Credit card

In XXXX 2015 my daughter and I took at trip to XXXX. It was all prepaid through XXXX. The 2nd day we were there, we were told in order to make room charges we would have to have a credit card on file. So we did that. At the end of our stay we had {$26.00} in room charges. I signed the charge slip, then signed a credit slip to refund the {$6500.00} pesos hold The XXXX XXXX placed on my card. All seemed to go smoothly. 

When I received my credit card statement, not only did the hotel charge me the {$26.00} but also charged not credited me the {$6500.00} pesos ( {$440.00} US dollars ). I called my credit card company right away, told them the circumstances. We filled a dispute right away. On XXXX XXXX, 2015 Barclay Bank issued me a credit of {$440.00}. At this point I believed everything was all good. On XXXX XXXX, 2015 Barclay recharged me the {$440.00}. 
Again I called and filled a dispute, since the bank claimed my dispute was resolved. This continued for months, the bank claiming I signed the slip so I acknowledged the charged. 
I explained I signed a credit slip and there was no exchanged of goods the {$440.00} is a fraudulent charge. 
After months and hundreds of phone hours with Barclay Bank I filled a complaint with Washington State Attorney Generals Office. Since Barclay did not reply in a timely fashion nothing ever happened. 
I started contacting the XXXX XXXX myself. After being transferred around a bit and about a week I was told my money was credited back to my credit card. Again calling Barclay bank I was told no the money was never credited. Now I have emails from the hotel admitting a credit was due to me, again Barclay bank would not help me with this matter tell me my money was in XXXX and to bad for me. 
I the wrote a letter to the President at Barclay back with no reply. 
Then out of the blue, XXXX XXXX called me from the office of the President at Barclay Bank because of the complaint I filed with the Washington State Attorney General. After months dealing with her and all was in agreement I was owed the {$440.00} it was still never credit to me. I received a letter from XXXX XXXX closing my case. 
So I started calling XXXX, talked to XXXX there for another few months he told me they were escalating my case. I just recently found out XXXX is an intern and is doing nothing. 
Someone at the Attorney General 's Office gave me the information to this website, so here I am filling a complaint with you. 
This is just the cleft notes version, because I have spent hundreds of hours trying to get my money back. You are my last hope.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Equifax. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00}
Product: Mortgage

Ever since I received a VA loan from Navy Federal Credit Union in XX/XX/2019, I have been receiving 2-3 letters per day to refinance into " very low rates. '' I called Navy Federal and asked them not to share my information, and I continue receiving letters. This credit union appears to be taking advantage of the " Navy '' brand and its members to peddle our loan data to low quality vendors. Please have them stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, after pulling my credit report with a mortgage company, I discovered an unknown credit card account on my credit report. The alleged account name is : XXXX XXXX, allegedly opened on XX/XX/XXXX On XX/XX/XXXX, I started my dispute journey with the credit bureaus. I submitted my dispute package. 

On XX/XX/XXXX, I pulled an updated credit report to see the changes, unfortunately, XXXX & TRANSUNION have not removed it from my credit report.
Product: Debt collection

This debt was opened fraudulently in another state that I do not reside in. I have contacted Contract Callers via certified mail to validate and verify the alleged debt and they have not responded.
Product: Credit card or prepaid card

On XX/XX/2020 I requested to set up recurring payments on account ending XXXX. Bank of America cancelled my payments on all of the credit cards that I have with them because a {$2.00} payment that was refund on a different credit card. They have no right to cancel my automated payments and not sent a notification by mail that they were going to do that. Customer services never explained to me on any of my conversations with them on XX/XX/2020 and XX/XX/2020 that they have a policy that if you have a payment return on any credit card they would cancel your online payment accessibility on all of the bank America accounts which I find this arbitrary because they should not be mixing payments with the different credit cards. Each account should be handle separate. Today they said that since is not a bank error they would not refund the {$39.00} late fee charge on XX/XX/2020. Even though they cause the fee because they cancel my recurrent payment without notifying me. Please assist me with this matter. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a communication from a major financial institution where I have a credit card to sign up for XXXX XXXX, a free credit monitoring service that is included with my credit account. In attempting to sign up, I was alerted that there was a freeze on my transunion online account, which I was unaware existed. After speaking with 3 representatives at the phone number provided within my credit card 's app - XXXX, the 3rd representative said that I needed to contact their online team at XXXX. He said that he could not transfer me using their internal phone ; I found this rather odd that Transunion reps would not be able to transfer calls within the company. Upon calling the 855 number, the 1st rep asked for my social security number and name, then place me on hold and dropped the call. With all of the data breaches and identity theft, this was unnerving. I called back and spoke with a woman with an accent. While it was challenging to understand her, she directed me to sign up for a complimentary account at service.transunion.com. After enrolling, it took me to a page that advised my account was locked. The rep researched further and advised that it was reported in 2016 that my SSN was used to commit fraud and that I have been blocked from any online resources and that a letter was mailed to me. This was my 1st time hearing of this. The rep advised that no one in her location could assist me and that she would resend the original letter. I requested to speak with a supervisor and was told to call back between XXXX PT. My call was at XXXX ET. After over an hour on the phone with multiple reps, I was provided no resolution and feel confident that I was calling an overseas location and providing my SSN, name, DOB, address and other identifiers. The service I received was neither professional nor provided resolution. It felt as if every rep that worked for Transunion was in a hurry to transfer me or tell me to call someone else. I requested to file a report against the false accusation that was made against me or at minimum have it researched further to see if an error was made. This was denied. All in all, a complete waste of time.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX for rent and bill reporting, I paid XXXX on XX/XX/2022 This company is saying there's no record of payment where I provided proof of payment by email, additionally I sent over rent payments dating back to XX/XX/2022 which were verified by XXXX XXXX, they refuse to report the payments accurately, my water payment of XXXX, they refused to report. 
My cell phone bill they refused to report although I provided receipts verifying payment
Product: Debt collection

Capital One Auto has refused to delete this fraudulent account from my credit report. They are in breach of contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I paid my account in full with a verbal agreement made by Westlake Financial to delete the entire account off all three of my credit reports. XXXX still shows the account as open. XXXX and XXXX show them as closed and paid. They payment history on all three are showing different information. XX/XX/XXXX, I received a letter with no acknowledgement or agreement of removing the accounts. They refuse to delete this information as verbally agreed by them in XX/XX/XXXX.
Product: Credit card

Please see attached, my document of ongoing Dispute with Army and Air Force Exchange Service Regarding Billing and Credit Reporting Errors In Case of XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am XXXX years old and do not use email, but to apply for my card I used an email. I asked that my bills be mailed to me, bc it is the only way I am sure my bills are paid. I have been in and out of hospital & friends know to check my mail for important things. My statement was never mailed to me. I asked my daughter to contacr capital one to tell them I did not receive a bill. she paid the past due payments, & asked to have the bills mailed & checked the address. I have not received a single bill to date and I have been in & out of care the last few months, so I had someone getting my mail & paying my bills. Now that I am back to recovering, I see that my account is blocked, still no statements or bills. I am sure my credit has been terribley affected.