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

Around the third week of XXXX, I reached out to Ally and explained that I was having concerns about making on time payments at the current due date on the loan. The agent on the phone went through the traditional questionnaire only to tell me that the due date could not be changed, and gave no explanation. 

Frustrated, I sent a secure message on Ally 's website, hoping that would reach a different department. I received a reply XXXX hours later, asking me that " due to the nature of the request '' to call back. Frustrated by my non-answer, I did, and was told that my request would be " escalated '' and instructed me to call back for a follow up XXXX days later. 

I call back in to follow up and am told once again that the due date can not be changed, even due to a financial hardship, because of the amount of days the due date had been changed by. ( I changed the due date at the very beginning of the loan, which I remember being told I was allowed to change the due date XXXX more times during the life of loan ) Now, Ally is calling me XXXX day after the due date of the auto loan payment stating I'm " delinquent '' or " past due '' and need to pay on my account now. I am not behind on payments and the only amount they are referring to is the currently due installment. I have a XXXX day grace period in my contract, so why am I being bullied about my payment right after being told that even with concerns of financial hardship and they won't change my due date? Completely unacceptable.
Product: Credit reporting or other personal consumer reports

Tired of being ignored month after month about inaccurate information which has never been verified to me after asking for proof of the reporting. I am yet to receive proof but still this inaccurate information keeps reporting.
Product: Checking or savings account

On XX/XX/XXXX, I paid the final payment on a custom dress only to discover that I had been frauded and not given what I purchased. 

After immediately trying to return the dress after making the final payment when I realized I had been frauded by the merchant and the merchant refusing a refund, I began contacting government regulating agencies for help. After over 3 months of trying to work with the merchant to get my money back Capital One reversed my temporary credit and recharged {$1700.00} to my Capital One 360 Checking account on XX/XX/XXXX. 

While I do have a line of credit, I did not use the line of credit to make the {$1700.00} payment to the merchant and no finance charges should have ever been charged to me as the Capital One 360 Checking Account is marketed as a no fee account and this was a chargeback by Capital One regarding a dispute where fraudulent merchandise was returned back to the seller. 

I nonetheless took steps to source the account despite Capital One failing to return my money for merchandise that was fraudulent and returned to the merchant. 

I thought my IRS refund for my taxes would come sooner and arranged for the remaining balance from the chargeback to be paid to Capital One though it took over 3 months. During this time, Capital One closed my checking account and began charging me finance charges for the disputed {$1700.00} that was charged back and claimed it was for the line of credit which I had not used to make the {$1700.00} payment to the fraudulent merchant. 

I was charged roughly {$50.00} in fees and when the IRS refund deposited into the checking account I tried to pay my Capital One credit card with the remaining balance of about {$840.00} which was rejected and was charged a {$40.00} fee on my Capital One credit card in XX/XX/XXXX though the account was opened but revoked. I was not aware that I could not use the Capital One checking account to pay the Capital One credit card account since the negative balance from the chargeback had been paid and the account was still open. 

Instead, Capital One charged me a {$40.00} fee to my Capital One credit card in XX/XX/XXXX in addition to roughly {$50.00} in finance charges. 
Again, these are charges on a chargeback dispute. 

The Capital One checking account and line of credit were permanently closed by Capital One bank and Ive been left with fees from a no fee checking account for a dispute with a fraudulent merchant. How is any of this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows as an account on TransUnion and XXXX while showing an inquiry on XXXX. All are fraudulent because I've never applied for credit for this service or account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX account # 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX account # 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX  account XXXX account # 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of 2023 I got a payday loan from Cash Aisle of {$900.00}, I was making payments ( which were random and different amounts ). For unrelated reasons, in about XX/XX/year> my account attached to my payment plan for the loan was closed. Obviously, I need to contact them to change my payment info so I can continue to make payments. However, when I try to log in it says incorrect info ( even thought I am pretty sure that I am entering the correct password ). If I try to reset my password it says that my request failed. Ive tried emailing them and calling them and have received no answer back. I have not even ever received an email from them or anything ever. There is no communication and it is impossible to get in contact with the company at all. I know the interest on my loan is continuing to add up everyday and when I literally can not contact them I feel powerless and hopeless. I dont know what to do next!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries were not done by me as I suspect it may be fraud and it's reporting on my credit report : XXXX Credit Inquiry to XXXX XXXX Via XXXX XXXX XXXX XXXX XXXX Via XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX  XXXX
Product: Student loan

Closure of XXXX XXXX XXXX accord XX/XX/2016, I was enrolled and was unable to complete my degree due to the closure for lack of other words they frauded students. they have defrauded U.S Department of education at my expense and have been trying to get my loan forgiven/Discharged and have submitted a borrowers defense application # XXXX since XX/XX/2016 and the servicer great lakes is accruing interest since then as I wait for the U.S Department of Education to complete my application with a final decision as I have on my credit report Federal student loan that has cause me to not be able to purchase a home or get credit. We are not coming up to 5 years and just get run arounds as I'm compassion with all the students that have been affected by XXXX, but when calling the U.S Department of education are not able to inform me of a time frame for a decision and felt as if they are withholding information and do not want to come to a decision that is hurting thousands of students.
Product: Credit reporting or other personal consumer reports

I do not understand why this is so difficult. I provided my driver license and a copy of my passport with my other complaints to CFPB. 
Now I look at my XXXX  report and they have the wrong date of birth. They have XXXX As shown on the submitted documents it is XX/XX/. It was always correct before but now all of a sudden it has changed. Do I need to get a attorney to handle this? This is crazy! This is taking hours, days, weeks even months of my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$1700.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$1700.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} Sent letter to company confirming the violations committed by saying I owe alleged debt
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 



Delete these XXXX inaccurate accounts immediately. 

# XXXX. 

XXXX XXXX XXXX Account number XXXX # XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX # XXXX. 

XXXX XXXX XXXX - XXXX # XXXX. 

XXXX XXXX XXXX - XXXX # XXXX. 

XXXX XXXX XXXX - XXXX # XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Address # XXXX. 

XXXX XXXX XXXX XXXX, XXXX CA XXXX Address # XXXX. 

XXXX XXXX XXXXXXXX Account XXXX # XXXX. 

XXXX Account XXXX # XXXX. 

XXXX XXXX XXXX, XXXX TX XXXX Address # XXXX. 

XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX Address # XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX Address # XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX Address - # XXXX. 

XXXX XXXX XXXX XXXX, XXXX CA XXXX Address # XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXX, XXXX CO XXXX Address # XXXX. 

CO XXXX XXXX XXXX, XXXX FL XXXX Address # XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXX, XXXX OH XXXX Address # XXXX. 

XXXX XXXX XXXX, XXXX CA XXXX Address # XXXX. 

XXXX XXXX Employer # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Address # XXXX. 

XXXX XXXX XXXX, XXXX XXXX CA XXXX Address
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for purpose.
Product: Credit card

To whom it may concern, XXXX has created a ( perhaps deliberately ) broken system for purchasing seat selections. They falsely converted my purchase of a seat into a bid for a seat- wherein I was on the hook for the purchase amount if the seat became available, even though at language on the transaction page described it as an instant purchase. 

I emailed XXXX for support on XX/XX/year>, and have included a screen capture of that. The agent advised that he couldnt cancel my bid and I explained I hadnt placed a bid, I agreed only to a purchase. He advised that the gate agent at the airport sell me the original seat I had purchased if it is available once I am at the airport. I inquired at with the gate agent and they were in fact able to sell me the seat I had originally purchased, and I was told the transaction for the unused seat would be refunded.

I took screen captures of their flawed check out system for upgrading seats. I never bid on anything. As shown on page one, I selected the
Upgrade now for {$450.00} USD button.

Clicking that button brought me to Page two, summarizing my purchase as an instant upgrade and NOT a bid. After providing my AMEX platinum information on Page two, I was brought to Page three, which showed that I had placed and Upgrade request and that I was Not Upgraded. 

I never agreed to pay {$450.00} to place a bid on upgrading, as you can see. After this happened I went through the same process by returning to Page one and scrolling down to an identical graphic dedicated to upgrades to exit row seats. I went though that, and rather than bidding, I clicked the button for Upgrade now for {$90.00}. At that point I had an active upgrade request of {$450.00} for the premium cabin that I never actually placed, and a simultaneous bid for a {$90.00} exit row seat.

They can not field two bids for different seats for one passenger and then accept both and charge me for both.

I took a video screen capture of the whole check out process because it was broken, Let me know if youd like to review that. The video confirms that these screen captures are indeed in sequence, and that they falsely categorized my instant purchases as bids. 



Best Regards, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I opened a bank account with XXXX located XXXX XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX and every paper I signed, I asked if my credit will be affected. They said no, and I continued to agree. Little did I know that they placed a reserve account which is a small line of Credit that I absolutely do not need. After looking though my credit score, it has dropped 20 points due to this issue. I called them right away and said they will fix this issue. They proceeded to cancel the cash reserve and will call me me back once the issue is resolved. Couple of hours later, they called and said there is nothing they can do and already talked to their compliance team. Keep in mind, they already canceled the service and now I do not have this cash reserve which dropped me 20 points, and this still on my credit report. This is simply not fair and very shady.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I must inform you that I am NOT responsible nor did I consent for the inquiries listed below as I have been a victim of identity theft. PLEASE BLOCK ALL THE INQUIRIES LISTED ON THIS POLICE REPORT BECAUSE THEY ARE NOT MINE. I'VE BEEN A VICTIM OF REAL NAME ID FRAUD AND IDENTITY THEFT. THE FOLLOWING INQUIRIES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTHORITY TO ACCESS MY CREDIT REPORT OR THE INQUIRY MUST BE REMOVED.
Product: Mortgage

After being told by XXXX 's loan mitigation rep named XXXX on XXXX, that I would be allowed to make XX/XX/XXXX and XX/XX/XXXX repayment payments by the end of XX/XX/XXXX, I was once again deceived by XXXX. When I called and stated I wanted to make the payments, I was told that all of the money is now due and payment could not be accepted for anything less than that. 

**CFPB, I need you to do something about XXXX XXXX numerous deliberate and willful deceptions made to speed the foreclosure process on my home. Just accepting their letters of even more lies and omissions should be a crime and shame on you for continuing to allow this. I am going to call my US Representative and both of my US Senators and complain that you are doing nothing more than collecting data and this is another federal taxpayer paid bureaucracy we American citizens can very easily live without!!!. You were not created to protect crooked mortgage Servicers** First XXXX told me that they would not honor my previous Servicer 's repayment plan made with me after my COVID19 Forbearance had expired with even another previous Servicer. This caused me to miss the XX/XX/XXXX repayment, which is the outcome they wanted. 

Then they sent me an application for a modification that I received a week after the date it was due to be returned. 

Then they sent me a package to sign and return to them by XXXX noting that I accept a repayment plan with them. I faxed it back to them on XXXX. 

When I called them to make sure it was received they did state that I could pay XXXX payment by XXXX and XXXX by XXXX. And he also stated that XXXX 's payment would need to be paid by XXXX. I was to call back with my checking account info or the rep would call me the following day. 

When I got home and checked my check register, I seen that I had already made another payment for that date with another creditor. So I called XXXX back and requested an additional XXXX weeks but that I could still have all repayments current by XXXX. XXXX 's manager stated that both XXXX and XXXX 's payments would need to be made by the end of XXXX. Even that was another lie told by XXXX. 

ALL REPAYMENTS WOULD HAVE BEEN MADE ON TIME IF XXXX HAD NOT LIED AND SAID THE PREVIOUS SERVICER 'S REPAYMNET PLAN WOULD NOT BE ACCEPTED BY THEM. I could have continued on as I was doing, just as the XX/XX/XXXX had been made directly to XXXX via USPS certified mail. 

XXXX instead terminated the repayment plan only a few days after they had even acknowledged it and then sent me a letter dated XXXX stating that. 

Then on XXXX, they filed a lawsuit to foreclose on my home. 

All of their actions appear to have been preplanned and deliberate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. I have been a victim of a data breach, and these entries are fraudulent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts resulting from identity theft blocked and removed from my credit file. 
Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance 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 Account # XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Account # XXXX ( XXXX ) XXXX XXXX  Account # XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX  XXXX Account # XXXX ( XXXX ) XXXX XXXX  Account # XXXX ( XXXX ) XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX  Account # XXXX ( XXXX ) XXXX  XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX Account # XXXX 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 an 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information
Product: Debt collection

XXXX XXXX XXXX XXXX a 3rd party collections company for Target sent a collections letter to an address I had not lived in since the year XXXX, the notice was sent in XX/XX/XXXX. In XX/XX/XXXX the company proceeded to serve a person at the address that is unknown to me. They fraudulently obtained a judgement against me for {$2400.00} in XX/XX/XXXX. I discovered this judgement in XX/XX/XXXX when I was looking for records for a family member. 
The company mailed in XX/XX/XXXX, a new service for renewal of judgment to the same old address that I have not resided in since XXXX. 
After reviewing County Records I discovered that the person they claimed to have served in XX/XX/XXXX did not reside that the address where notices have been said to be personally delivered to this unknown women.
Product: Money transfer, virtual currency, or money service

I used my online banking ( XXXX  XXXX XXXX XXXX XXXX ) to send a XXXX transfer to someone else on XX/XX/XXXX for {$550.00}. The money was taken from my checking account on XX/XX/XXXX and was supposed to be transferred instantly. The money was not transferred, so I called the customer service and they told me 1-3 business days. The recipient still was not receiving the money so I called again and they said it had been sent on XXXX  XX/XX/XXXX. On XXXX, XX/XX/XXXX, I received an automatic email stating the money had finally been sent and deposited to the recipient 's account. The recipient did not receive the money by XXXX, XX/XX/XXXX, so I called the bank again and they said they said they sent the money not by XXXX, but by ACH transfer, to the recipient 's bank XXXX Bank of America ). The recipient told me he called Bank of America and they told him they did not receive the transfer and the problem was with the sending bank. I called again and they said that is not true and the money is showing in their system as received by Bank of America. They provided me with an ACH trace ID # for Bank of America to use to find the transfer. I tried calling ( XXXX times ) and emailing ( twice ) Bank of America with no response. I called my bank ( XXXX ) again and requested to reverse the ACH transfer. They said they can not do that because their system says Bank of America already received the transfer. However, they refuse to contact Bank of America to ask why they are saying they did not receive the transfer. Bank of America refuses to answer my emails and phone calls. The recipient states he contacted Bank of America and they can't find the transfer and to contact the sending bank. But the sending bank says they sent it and Bank of America has it. Both XXXX and Bank of America refuse to contact each other, both refer us to the other bank, and my {$550.00} is still missing and it has been over a week. 
The numbers provided by my bank ( XXXX ) for Bank of America to track the transaction are these : XXXX ID # XXXX -ACH Trace # XXXX Bank of America told the recipient they can't find any transaction with that Trace number and XXXX told me they provided the trace number and that is all they are willing to do. They refuse to contact Bank of America to assist with finding the money. 
I also called XXXX and they referred me back to my bank saying they do not take possession of the transfers between banks using the XXXX name.