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

XX/XX/XXXX i was coerced into purchasing a XXXX XXXX XXXX from XXXX XXXX XXXX. I was strapped for cash and my credit was at a very low rate to rising bills. At that time i was new to the City in which i reside, with 3 kids, and working from XXXX to XXXX XXXX  in the morning. I had no other transportation nor any family hear. When i originally signed documents to finance a vehicle, the vehicle was a XXXX XXXX XXXX XXXX. I feel as if this was a scare tactic of the Car Dealer to put a person whom they know can not afford a top dollar vehicle, in the vehicle finance, then to only come back with a high dollar amount the dealer knew i could not afford. Then, the dealer ultimately offers the customers a vehicle that with high interest rates and low value, making the consumer feel as if they must take any vehicle they are given by the dealer. 

My vehicle was a XXXX XXXX XXXX, financed at XXXX and it was only valued at XXXX, making the financing company charge me XXXX in interest. At the time of purchase my father had, had a XXXX  in my hometown, in which I was in desperate need for transportation. 

XX/XX/XXXX I lost my job and was out of work until XX/XX/XXXX, I contacted Santander Consumer USA, regarding my payments on this vehicle numerous times due to my ineligibility to pay the high monthly. They afforded me 2 months to make payments but then added the payments to the end of my loan with double interest. 

This past year XXXX Santander Consumer was sued by the state of Georgia due to unfair practices. Where i believe I do fall under the class action suit. When I placed several calls to Santander USA, i was met with rude, unfair telemarketers who was not willing to help. One receptionist even told me " I don't have to give you anything '' when I requested for help with the loan. I informed her of the law suit where the Supreme Court deemed Santander Liable, and able to afford consumers a break. She began to berate me and tell me that i am a grown woman and i should make better choices with my money. I had to hang up because i began to feel nauseous an sick.
Product: Credit card or prepaid card

Opened new credit card account with XXXX XXXX serviced by Citi Bank and purchased {$71.00} Received bill XX/XX/XXXX and made payment of {$35.00} on XX/XX/XXXX 1 day after due date and to an old Home Depot Account ending in XXXX that was in my bill pay system. 

XX/XX/XXXX received next bill and noticed first payment not applied. Amount due was {$100.00} Called to have overpayment of old account transferred to new account ending in XXXX. Made payment for balance of XXXX on XX/XX/XXXX. Called and spoke with XXXX and Was told late fee would be refunded. 

XX/XX/XXXX received bill for old account ending in XXXX with {$35.00} credit balance removed. 

XX/XX/XXXX received bill on account XXXX for {$100.00}. Did not reflect credit of {$35.00} from old account. {$42.00} in fees was added. 
Called XX/XX/XXXX spoke to XXXX who email with credits issued in the amount of {$2.00}, {$29.00} and {$40.00}. 

XX/XX/XXXX called and spoke to XXXX and XXXX XXXX. She issued emails indicating credit issues for {$2.00} and {$29.00}. 

XX/XX/XXXX bill only showed credit of {$35.00} and {$40.00} plus a late charge of {$31.00}. 
Called XX/XX/XXXX spoke to XXXX people and then XXXX who was to transfer me to a XXXX however was disconnected 3 times during XXXX minutes on the line. 
I have been receiving XXXX collection calls per day except for XXXX and XXXX XXXX hollidays. Received XXXX yesterday and XXXX today before I called stating they were collecting a debt in the amount of {$78.00} of which {$29.00} was past due. Don't know how to stop these late fees.
Product: Credit reporting or other personal consumer reports

On XXXX of 2025 Transunion verified and an validated this XXXXXXXX XXXX XXXX  account XXXX after reinvestigation. Transuinon failed to provide me with documentation of investigation and whom they investigated it with so I can follow up. Which violates usc 1681 c-1 c-2, and 1681 I. Furthermore This account after reinvestigation is still reporting inaccuracies which I provided proof of these fraudulent inaccuracies. There willfully non compliance to the codes warrants removal of this account. It is manipulated the credit score process which is denying me access to credit Transunion had more than enough time to correct this which they failed to do so violating my consumer rights
Product: Money transfer, virtual currency, or money service

Cash app fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.
Product: Mortgage

I have attempted on two occasions to settle this problem with BB & T mortgage department in regards of reporting a late payment on my report in which my account is in current standings. Under the FDCPA laws they have violated my rights numerous times. BB & T has also violated the CARES Act law by reported my information. The dates that they responded to my compliant was XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have tried to resolve this problem with them directly I am demanding this to be removed from my report. I was never notified in any way of a late payment until it was reported on my consumer report.
Product: Checking or savings account

Problem still remains from previous complaints : XXXX, XXXX Today I finally received the attached correspondence from Truist Client Advocacy . XXXX XXXX also included my account statement from XXXX for account ending in XXXX. 

However, XXXX XXXX still fails to include the correct information. I have attached the documents here. 

XXXX-nearly a week after the statement date, I received the letter stating I owed {$0.00} for account ending in XXXX. 
XXXX-a week after the statement date I received an additional letter stating that I owed the balance from the deposit account ending in XXXXwhich is correct-balance of {$310.00} ( including a {$7.00} " maintenance fee '' ) I had made arrangements with Truist 's recovery team to pay this balance, paying {$190.00} on XXXX leaving a balance of {$110.00}. I made arrangements to pay this balance on XX/XX/year>, but had not heard back from XXXX XXXX until XX/XX/year> the correspondence i previously sent to you. 

This is what should happen and I previously asked for over 2 months ago. 1-Truist to honor the charge off of account ending in XXXX and balance of {$0.00}. 
XXXX XXXX to notify the Recovery department of the CORRECT balance owed for account ending in XXXX, {$110.00}. 

Once this has been completed, I will call the Recovery department and pay the balance.

This isn't rocket science and it has now become a further nuisance and time wasting task. I have attempted to remedy this on several occasions.

I shouldn't be punished because Truist 's right hand can't talk to the left hand. Truist also has a history of predatory practices of charging ridiculous fees.

I just want this finished, but I refuse to be bullied by Truist anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am enrolled in credit monitoring and I also review my credit report online often. Today when I reviewed my credit report, XXXX XXXX is listed on my Equifax report as showing me being delinquent for last year XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They had to submit this over recently because this was not on my credit report last year and I do n't recall being 30 days late last year. I even refinanced w/ the company this year so it seems impossible to have been late. I am not sure why this was recently reported on my credit file and would like it to be removed because it is affecting my credit.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORT ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I ran credit report today and my credit rating is dropped by over 100 points due to Amcol Systems report for alleged debt or {$970.00} has been sent to collections. The alleged debt was originated from " XXXX XXXX Emergency Room '', which is part of the University XXXX XXXX XXXX XXXXXXXX. I was treated for a severe XXXX XXXX, and paid for the emergency room before I left. Months later I received a billing which I took to that same facility and told them the amount was excessive. I did not have health insurance and was told the debt would be written off. At no time during my emergency room visit was I told about potential costs or additional costs that may be incurred while the doctor performed additional XXXX and such to protect from malpractice. The XXXX were not needed for treatment, and were only for malpractice protection and were not ordered by me. I moved from XXXX and Amcol Systems has NOT provided me with option to dispute this debt as required by law. Amcol Systems is attempting to collect a debt that is not owed, and has adversely affected my credit score which will cost me nearly 2.5 % higher interest rate which will be nearly {$400.00} per month higher interest cost on my home mortgage.
Product: Credit card or prepaid card

This complaint is in regards to Capital One. I had a payment due XX/XX/2022, I scheduled payment for XX/XX/2022. Payment was received by Capital One on XX/XX/2022 in the amount of {$60.00}. I was charged a late fee of {$40.00}. I called capital one and they would not credit back late fee. I made my payment on-time and have statements for proof of on-time payment. I would like for Capital One to be investigated for improper business practices and my account to be credited back the amount they charged.
Product: Credit reporting or other personal consumer reports

XXXX failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit reporting, leaving inaccurate or unverifiable accounts unresolved. The CFPB recently filed lawsuit against XXXX alleges systemic issues such as failing to report consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX failed to correct or remove disputed items causing ongoing harm to my credit standing. Im am requesting immediate to remove or amend disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Over the past year I have been submitting disputes to all three credit agencies XXXX, XXXX and Experian as well as to various collection agencies about reporting information on my credit report that was caused due to identity theft. I have constantly sent letters and within a weeks time the accounts are coming back as verified. I have no knowledge of these accounts. I sent a letter to all agencies asking for method of verification and I have yet to receive anything back. My last letter I sent to them was on XX/XX/year> by certified mail. I have suffered financially, and this has caused undue stress to myself and my family. I continue to dispute this information but get no where. I even submitted a letter from the Department of Justice stating that I was a victim of identity theft and my personal information has been compromised. I also let them know that I was apart of the XXXX data breach and since that time several accounts were opened in my name. What are my options here am I to get an attorney involved at this point. Please advise
Product: Credit reporting

Equifax Refuses to except Valid ID information to correct my report. Wrong Personal ID information has led to Accounts Effecting my Report that are not Mine, Example : XXXX ( Plaintiff Denies any judgement against me or authorizing Equifax to put this on my Report ) Escalating this due to multiple attempts to resolve this issue. They may not be updating person info to directly keep accounts onto my report. They Have stated Vague research responses in the past to do so.
Product: Debt collection

Best buy credit card citi bank issuer Had good account history for months of on time payments an auto pay from XXXX XXXX Then XXXX XXXX had several failed system issues there entire system crashed numerous times causing people to be stranded without funds or ability to pay for goods an services. I was one of the victims XXXX contacted me an pressured me to not sue them or they would close my account. Because of these issues with payments not being processed best buy citi credit card was closed I was informed by citi it would be closed. They continue to charge me interest I tried to settle the account but they charged me more then my credit limit in fees. 

If an account is closed why would you keep charging a customer for it. I'm fighting without help can you assist in resolving this I would like to pay the settlement amount they will offer from the total XXXX. 
Contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to validate and verify a fraudulent collection from XXXX XXXX XXXX on my credit report. This collection has not provided any proof or documentation bearing my signature this debt belongs to me. They also failed to provide their method of verification and suggested I report my grievance with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish an account without my written consent or instruction.
Product: Mortgage

Purchased a home as is inXX/XX/XXXX. Filed for Chapter 7 Bankruptcy in XX/XX/XXXX. Continued payments on the home until XX/XX/XXXX All calls to Ditech starting inXX/XX/XXXXwere greeted with the " home is bankruptcy '' you are not responsible for the debt. They would not assist with any details on how I could save the home from foreclosure and request for modification prior to XX/XX/XXXX were denied because the loan type is a retail installment agreement. Interest rate is 11 %. No one would consider refinancing because of the foundation issues. XXXX XXXX & the Loan Servicer Ditech are predatory companies
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Transunion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Late payment : account : XXXX, XXXX : XX/XX/year>XXXX  Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Mortgage

My Name is XXXX XXXX. ( Loan Account # Ending XXXX ) I currently have a Home mortgage with TD Bank. 
Back in XX/XX/2020 They offered Forbearance plan to me by letter dated XX/XX/2020 due to Covid -19 pandemic. 
Even though on the letter it does not mention Covid-19 pandemic, I took that offer and took a break on my mortgage payment for 2 months. 
Now I am applying for a new refinance by a different lander they found out that I had a Forbearance plan in XXXX.They are asking me to get a letter from my current mortgage bank to say that the Forbearance was offered to me for Covid-19 pandemic. I called TD bank my current mortgage bank to say that it was related to Covid -19 Pandemic .They are refusing to give me that letter saying that the offer of Forbearance was related to Covid-19 pandemic. 
This is making difficult for people like me to get a better rate for refinance mortgage.
Product: Vehicle loan or lease

The company is garnishing my wages for 25 % after taxes after they lost a class action lawsuit for predatory lending practices. Because of the garnishment Im having a hard time managing my finances and they are still reporting to my credit monthly even though they are garnishing my earnings biweekly
Product: Checking or savings account

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Bank of America regarding a highly distressing and unfair experience I recently had with their services. On XX/XX/2023, I visited the Bank of America XXXX to deposit a check, and the teller assured me that the funds would be available within XXXX business days. However, despite receiving a receipt and stamp confirming the deposit, Bank of America held my check for over XXXX weeks, causing severe financial hardship to my small business. 

Upon contacting the bank to resolve the issue, I was advised to file a dispute, and they promised that someone would reach out within XXXX hours. To my dismay, no one contacted me during that time. When I called again to inquire about the status, I was told that there was no claim or record of my previous dispute. I reluctantly initiated a new claim, but the result was no different no progress, and no communication. 

This prolonged delay and lack of transparency have had a devastating impact on my business. I have lost {$7500.00}, which is crucial for my business operations. Due to this situation, I was unable to pay for essential utilities, and as a result, my business suffered further consequences, including a temporary loss of electricity. 

Despite repeated attempts to resolve the matter, Bank of America has been unhelpful and has not taken adequate steps to rectify their error. Their constant redirection and failure to provide any concrete resolution have left me feeling utterly helpless and frustrated. 

I urgently request the CFPB 's intervention in this matter. I seek full access to my funds without any further delay. Moreover, I believe that Bank of America should be held accountable for their negligence and the resulting hardship they have caused my small business. 

I trust that the CFPB will thoroughly investigate this issue and take necessary actions to ensure that Bank of America addresses my concerns promptly and appropriately. Your timely assistance and support in resolving this matter are of utmost importance to me and my business. 

Thank you for your attention to this matter.
Product: Student loan

My XXXX student loans were forgiven on XXXX/XXXX/16. Navient refuses to report XXXX balance to XXXX. I have disputed 4 times to no avail. Navient acct XXXX.When XXXX asks for docs they tell them the balance between the XXXX is $ XXXX instead of zero.I can not get Navient to cooperate.
Product: Checking or savings account

Money from my debit card was being withdrawn from the local ATM consistently from XXXX without my permission totaling to {$3600.00}. I was at work and I received multiple text messages from Chase notifying me that money was being withdrawn at the time. When I was notified, I immediately called Chase with the number that was on found on the back of my card and filed a claim. I discovered that the withdraws took place from my local Chase bank ATM when looking through my account statement. Chase denied the claim stating that the ATM location is in my neighborhood and I have used that exact ATM in the past 6 months, thus they deemed that charges were valid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has trueaccord debt collectors but Im paying this account with indebt charge solutions to them they still reported acharged off and bad credit to all 3 major credit agencies they promised to clearing this debt account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX
Product: Mortgage

On or about XXXX XX/XX/2022, which was the closing date of the refinancing of our Mortage the cost now is more than the last XXXX previous mortgages, ( XXXX ) when I brought this up doing closing, I was told this was escrow in which taxes and insurance is being paid XXXX is escrow, however I pay my own insurance out of pocket. That was told to customer service and all I received was that they the mortage company pays for my insurance. I don't want the mortage company paying for something that I am paying for already that is what is in dispute, plus I was told when I did the refinance that my mortage would be just XXXX more than my previous mortage. The numbers don't add up when I brought this to the attention there is nothing that the company can do which is no answer to me.
Product: Debt collection

I recently reviewed my credit report and noticed that I have an account that I do not know about, and it being reported and effecting my credit score negativity. I have collection of {$1300.00} as of XX/XX/year> and I was unaware of, and the account was open on XXXXThe consumer reporting agencies need to report all information with complete accuracy. This account that has been created without my knowledge. I have attached a copy of my report to this complaint on the amount and dates that are shown above. I am also requesting you investigate and provide verifiable proof with records showing that I had knowledge of this account. If this information can not be verified, I demand this account to be removed and updated on my credit report immediately. Thank you for your understanding and prompt action.
Product: Debt collection

Yesterday, the company responded to your complaint number XXXX, In their response, the company stated, " We have closed this in our office no further contact will be made with this consumer. '' Today, at XXXX XXXX EDT, the company placed the same robo call to me. They stated that several complaint had been filed with their office. They stated that my cooperation was required. They did not identify the company or the individual calling. The call came from ( XXXX ) XXXX, again with a spoofed caller ID name. 

Clearly, the company misrepresented themselves to the CFPB in their response.