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

I was rushed into the car by a dealer and financed by this company I was told after talking to at least five XXXX people offshore that I paid over 26k in interest but they dont refinance they compound daily on the amount owed or proposed owed. 

I was then sent to the re write department and was talked to 5 people said they were American and citizens I said that I paid so much for this car I wanted a break and reduce my payment He said we dont do that, YOU XXXX XXXX XXXX XXXX GO SURRENDER YOUR XXXX WHEELS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX REWRITE DEPT AT ALLY XX/XX/XXXX XXXX EST I since paid off the loan with help from another bank, and they still wont credit the account and on-top of it all I over paid the payoff by XXXX and I want that sent to my checking they refused and as of today they still show I owe {$10000.00}, I PAID XX/XX/XXXX XXXX signed by Delivered : XX/XX/XXXX XXXX XXXX  Signed for By : XXXX Department number : Consumer Lending Signed for by : XXXX Delivery location : XXXX , KY
Product: Checking or savings account

On or about XXXX XXXX XXXX, I discovered my wallet was stolen from inside my vehicle which had been left unlocked for a short period of time. Around is same time I discovered someone had made purchases unbeknownst to me at several locations around the area using my USAA debit card without my authorization. I made the claim to dispute these charges around the same time and a temporary credit was issued but the dispute was never closed. I contacted the bank several times to handle this situation in order to close the account completely. XXXX went by my account was never closed and the bank refused to close the account until all disputes were settled. Fast forward XX/XX/2024, I received correspondence from the bank that at my request the disputes were stopped, and disputes were stopped so that I can close the account stating a false claim that these charges were authorized they were not. I have an active police report attached with these fraudulent charges listed and the notification from the bank also. So, my understanding is until the bank closes the active disputes which they refused to do going on almost XXXXXXXX XXXX today my account can't be closed. I had to request the disputes be stopped and take ownership of fraudulent charges in order to close my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX told me my password was leaked in a data breach. 

When I went to renew my XXXX account with XXXX they discontinued my XXXX XXXX XXXX account and made a new one without my consent or briefing me. 

I swapped my insurance a few years ago and XXXX  fraudulently put my account in collections via credit coll. My insurance doubled so I switched companies for half the rate
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXXXX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 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.

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.
Product: Credit card

XX/XX/XXXX, I applied and was approved for a Citi Forward credit card ( ending in XXXX ) using an online application form. Terms and Conditions that was presented to me at the time of application ( a screenshot is attached ), clearly and explicitly explained that I will earn XXXX ThankYou points for every dollar I spend on purchases at ( 1 ) book stores, ( 2 ) record stores, ( 3 ) restaurants, including fast food restaurants, ( 4 ) motion picture theaters, and ( 5 ) video entertainment rental stores. However after receiving my first statements I realized, in violation of Terms and Conditions that was presented to me in the online application form, I was not receiving XXXX ThankYou points per dollar for purchases at above mentioned categories. Instead, it seemed that I was receiving only XXXX ThankYou points for those purchases. I called Citi a few times and explained the whole issue, but the only thing they did was explaining to me that my card earns XXXX ( and not XXXX ) ThankYou points per dollar for purchases in those categories, and they did not seem to be bothered by the fact that this was in violation of the Terms and Conditions that was presented to me. I then proceeded to send a letter to Citi XXXX I think to CitiBank Executive Review Department in XXXX XXXX ) and explained the issue, but received a similar response that mentioned that my card earns XXXX ( and not XXXX ) ThankYou points per dollar for purchases in those categories, and ignored that Citi was violating Terms and Conditions of the account. Overall Citi did nothing to resolve this issue. 
It is a few years past this incidence, but the bad feeling about it keeps being with me. At the time I was initially dealing with this issue, I was not aware of existence of CFPB, so I did not file a complaint. Now that I am aware of this possibility and have already exhausted other possibilities, I would like to take this route to ask Citi to follow Terms and Conditions that was presented to me so that my Citi Forward credit card account earns XXXX ThankYou points for every dollar I spend on purchases at ( 1 ) book stores, ( 2 ) record stores, ( 3 ) restaurants, including fast food restaurants, ( 4 ) motion picture theaters, and ( 5 ) video entertainment rental stores.
Product: Credit reporting or other personal consumer reports

I have tried calling transunion to remove this fraudulent inquiry from my credit report and they will not help me below is a list of inquiries that are fraudulent and is currently on my transunion credit report and it needs to be removed immediately as part of the fair credit reporting act this inquiry is fraudulent and needs removed This is the fraudulent inquiry XXXX XXXX XX/XX/XXXX Transunion credit report
Product: Debt collection

On XXXX XXXX 2017 I had to take my wife XXXX XXXX to the XXXX XXXX XXXX XXXX emergency room in XXXX XXXX Texas for extreme pain in her side ( XXXX XXXX ). We presented our XXXX from XXXX XXXX card which would have covered in network or out of network emergency room visits. Their explanation of benefits clearly say no charges after deductible in or out of network, which was met. It also says limitations and exceptions none. Available at XXXX XXXX XXXX XXXX. 
I have received a bill from the hospital for {$5700.00} which has been sent to collections because the health insurance did not want to pay the hospital the total amount. I have called the hospital and they said they cant do anything because XXXX does not want to pay the bill which in their benefits it says no limitations or exceptions after deductible. This is not the first and only bill my wife and I have been responsible for but it is the biggest one. There are others that were supposedly covered but XXXXXXXX XXXX will do anything to get out of paying. I have called them a several times times but they are very rude and say that its my problem because I was out of network ( again refer to explanation of benefits )
Product: Consumer Loan

XXXX XXXX, XXXX Consumer Financial Protection Bureau Dear Complaint Department : In XXXX we took out a Line of Credit loan from BMO Harris Bank. In XXXX we learned by letter that our loan was coming due in full on XXXX XXXX, XXXX. We had no idea a Line of Credit loan matured with a balloon payment 15 years in the future. It was a Line of Credit! We always made our loan payment of approximately {$90.00} per month on time and never late. Around three years ago, we started increasing our monthly payment to {$150.00} per month. This allowed us to pay on the principle and pay off the loan quicker. 

When we were notified that the full balance of the Line of Credit was coming due XXXX XXXX, XXXX, we tried to refinance our home mortgage including this balance of {$40000.00}. But because of our financial hardship at the time, we could not qualify. 

I 'm a XXXX Veteran with a XXXX XXXX. Once again, we tried to refinance our home mortgage, and this time we qualified. We were also able to lock-in a very good interest rate before they recently increased. Everything was going great until BMO Harris indicated we were 252 days late on our Line of Credit balloon payment. Even though we were continuing to pay our monthly payments on time, we were trying to include BMO Harris as a Subordinate positon to our home mortgage and get this loan active again... they refused. See, they have already written off this Line of Credit loan. But because BMO Harris wants to play hardball, we are going to lose our lock-in and may not ever to be able to qualify for a loan again. The interest rates have already gone up since we locked-in this great rate. 

Our lock-in expires XXXX XXXX, XXXX. This means we must pay an additional {$300.00} to lock-in for two more weeks. BMO Harris is intentionally blocking our refinance opportunity knowing we are about to lose our lock-in. This after being loyal customers for over 40 years. I guess if you are meeting their expectations you are FAMILY, but once you fall out of place they treat you as if you have the plague. 

After making phone calls to BMO Harris ' Loss Mitigation department over several weeks, XXXX recommended providing them with a settlement letter. We could come up with {$10000.00} from a friendly legal outside source. I spoke with XXXX, the Team Leader through XXXX and XXXX has declined our {$10000.00} Settlement offer. XXXX requested {$24000.00} as a Settlement, but {$10000.00} is the maximum amount we could obtain. 

We do n't understand why BMO Harris would intentionally block an opportunity to receive our {$10000.00} Settlement offer, or get this {$40000.00} loan back on the books and let us pay our monthly payment again like we have for 15 years. 

We can extend our lock-in two more weeks, at an additional cost of {$300.00}, and then all hope is lost. Why is BMO Harris being like this? 

Please help us. 

Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach, I want these items deleted from my credit reports effective immediately I'm attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing please help me delete these illegal accounts from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, ( See attach court records ) I am a natural living person. The credit bureaus have been reporting false, inaccurate credit reporting dollar amount on my account. The two XXXX XXXX accounts listed below are court agreed amount. The credit bureaus amounts are in accurate and false reporting monthly on my credit report account I have reach out to them to get this changed and it still not changed. 

Account name : XXXXXXXX XXXX XXXX XXXX # Account Number XXXX XXXXXXXX this has violated my rights false dollar amount of {$2800.00} this is different from the court agreed judgement.. 


Account name : XXXX XXXX XXXX XXXX # Account Number XXXXXXXX XXXXXXXX this has violated my rights false inaccurate dollar of {$3800.00} this is different from the court agreed judgement. 

Account name : Portfolio Recovery Associates # Account Number XXXX XXXX has violated my rights false dollar amount of {$5700.00} sitting on my credit with no proof its mine, I have called, send mail and its still no proof this account it mine and they wont remove from my account. They work with these companies to put false inaccurate information on credit report even if there is no proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to both XXXX and XXXX dealerships looking for a vehicle. First, XXXX told me by running my credit report, multiple lenders would request my report. There wqere some vehicles that lenders would not approve me on, so the sales rep and I looked at financing for different vehicles. I was told by the sales rep that multiple hard inquiries would not hit my report. Well, I have several that are on my report that are effecting my credit. 

At the XXXX dealership, they said they did not have to run my credit because I provided my credit report to them. They ran my credit and I had hard inquiries on m y credit report, without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the Credit Bureaus for the immediate removal of the Fraudulent accounts and information being reported on my Credit File. It has been 5 months since I started disputing my Credit Report but it seems like the Credit Bureaus have become negligent of the Federal statute and their duty with the FCRA. Under the Fair Credit Reporting act section 605b, the Credit Reporting agencies are required to remove any accounts and information that resulted due to identity theft. But the Credit Bureaus have been ignoring my Disputes. The last letter I sent to the Credit Bureaus was dated XX/XX/2022, with the same Attachments I have been attaching from my previous Dispute letters. The Credit Bureaus have been claiming that the disputed items are verified and reports accurate information. However, they have failed to send me copies of proof of verification or any documents bearing my signature. I can say that the Credit Bureaus have been ignoring my disputes as well neglecting the FCRA regulations because the Accounts ' dispute status are still reporting as " Account not Disputed '', despite the fact that I have been disputing my Credit File for 5 months already. Under the FCRA section 605b, I am requesting that the Credit Bureaus stop their erroneous reporting and remove or delete the disputed accounts and information completely from my Credit Report : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXXXXXX Balance Owed : {$8100.00XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor which is XXXX XXXX  notified me that they sent a notice to credit bureaus but they have yet to response or removed the account from my credit reports. They have been dropping my calls and have extended hold times and I can never talk to anyone about my issue.
Product: Debt collection

I had XXXX XXXX service in an apartment that I resided until XX/XX/XXXX. I moved from this apartment on XX/XX/XXXX with a balance owe to XXXX for equipment. The equipment was returned on XX/XX/XXXX after I received a collection notice from a collection agency -XXXX. I stopped receiving collections notifications on this issue. In XX/XX/XXXX, while I was settling collection issue with a collection agency -Diversified Consultants, I was informed that they had an other collection account under my name. It was for XXXX XXXX. I paid Diversified Consultants because he said it would be on my credit report. I was unsure about the charges and didn't have a chance to validate them. I was unaware that this item was already on my credit file, since it was my first time hearing about this collection item with Diversified Consultants.
Product: Credit card

Capital One Bank says I made charges on my card, I told them no I did not make those charges on the card because the card was an emergency only card. I told them there was a data breach that affected all my card information my email everything that I had on my phone was breached.
Product: Debt collection

On XXXXXXXX XXXX Presto sold my loan to another lender. On XXXX XXXXXXXX I received notification from Presto that my balance was {$0.00}. XX/XX/XXXX, I was sued by Presto the original creditor for a loan that I dont owe. Which Presto the original creditor reported that the loan was sold to another lender on XX/XX/XXXX. I never received validation of the loan or explanation of why I went from owing {$0.00} to {$2600.00}. 

I was never given an opportunity to dispute the debt. I was never served notices of lawsuit. 

Now my wages are being garnished under unfair debt collection by deceiving the courts and myself with making false claims and statements to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Experian XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX RE : XXXX XXXX XXXX XXXX Protected Consumer to EXPERIAN, XXXX. I am a natural person who is at all times relevant. My Consumer Report shall always be FAIR and EQUITABLE to me. XXXX, EXPERIAN, AND XXXX are each reporting this XXXX XXXX  ACCOUNT on my Consumer Report, I am requesting EACH AGENCY complete a reasonable INVESTIGATION AND PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF investigation into all accounts before placing these accounts on my Consumer Report. I AM REQUESTING YOUR ARBITRATION AGREEMENT, ACDV FORMS, CARBON COPIES, FROZEN SCANS FROM YOUR INVESTIGATIONS, AND WHAT PROCEDURES ARE USED IN YOUR INVESTIGATION. EACH CONSUMER AGENCY is required by FCRA to have a copy of the original creditor 's documentation on file to verify this information is correct and is in fact mine. PROVIDE THIS ORIGINAL DOCUMENTATION REQUIRED UNDER ( SECTION 609 a1a ) AND ( SECTION 611 a1a ) SEND THE CONSUMER CONTRACT WITH MY SIGNATURE ON IT. UNDER ( SECTION 611 5A ) you are required to delete unverifiable information.

The law is very clear as to the CIVIL Liability and the remedy available to me for negligent noncompliance ( SECTION 617 ) if you fail to comply. I am a litigious Consumer and fully i
ntend on pursuing litigation in this matter to enforce my rights under the FCRA.

Send updated Consumer Reports. Send Consumer File.
Product: Debt or credit management

A company called Bright Money obtained my accounting and routing information while submitting credit line application to other company. I never signed up with Bright Money. They tried to charge {$36.00} to my debit account.I called the business and they have no records of my information
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'd like to document the change in my credit score and debt ratio from XX/XX/2020 to the present. I've called all three credit reporting companies, plus XXXX, and all of them say they don't keep the information this far back. I can get information about 9 months back, and that's all. I also called my bank, XXXX XXXX, which gives me 9 months of my credit score, and they say they also don't have historical information. BTW, on your intake form, it didn't ask me if I tried to resolve the issue with XXXX. I tried to resolve it with all three credit reporting companies, speaking to supervisors. 

As it happened, my credit score tanked and my debt usage rose during the past three years. I'd like to have a record of that. 

If there is a place to get this information, none of the companies responsible for it know where that might be. 

I can't think of a reason why this information is unobtainable. These are huge companies with a lot of control over people 's lives. Even my bank keeps statements going back many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I suffered some financial, personal and physical hardships due to Hurricane Irma in Florida. 
As a result of my circumstances, I contacted my creditors of which one was BMW financial services. I had heard that they had a disaster relief program that afforded their customers the opportunity to enroll in their loan deferment based on such disaster circumstances and needs. 
The terms that were discussed and extended to me was that I would be able to receive up to 3 months skip payments without any penalties. The reason being was that these payments would be placed at the end of the loan and in addition they will not be reported as delinquent to any of the credit Bureaus. 
Needless to say, the exact thing they told me would not happened, actually did. From XXXX to XX/XX/XXXXmy credit score was between XXXX and XXXX with no skipped, late or missed payments. I have had a vehicle financed with BMW Financial Services from XXXX, up to present and have never been 30 days late or missed a payment throughout the entire period. 
At the end of XXXX, my score went from XXXX to XXXX where it is currently based on the report that was sent to the credit bureau by BMW. In essence, the three months they agreed to not report any late payments, it is now showing 30, 60 and 90 days delinquency on my report via BMW Financial Services. 
I have spoken to BMW and they have disregarded everything that was agreed with me and instead seemed more concerned with placing blame and stating what their police is. The fact is that I had other options and would have taken those one of those option rather than have my credit score drop to the such drastic level based on untruths and lies. 
In closing, let me say that this situation has already affected my ability to do financial stuff in my life. I have turned XXXX years old recently and had been making plans to buy a small cheaper condo. However, the sudden reality for me now is that my current Credit status has already began to affect my ability to buy something reasonable in XXXX Florida even though opportunities exist.