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

I bought a car at Carmax XX/XX/2017 and it was financed with Carmax finance. 
From the start there was a problem with the car. I tried to get it in to the dealer before the 30 day warranty was up and at first they kept stone walling me until I showed up with the car and left it with them. Eventually they fixed it -- supposidly. 
I called again and again complaining it still had the same problem and they were stonewalling me from bring in the car under the warranty they sold me. When I finally got the car in they test drove it and then had me in the car asking if a certain sound was what I was talking about and I said yes. The mechanic said it was supposed to make that kind of noice. So at that point I accepted if for the time being I left. 
However, in the meantime I kept calling and calling to to speak with the automotive repair part of the dealership and the person answering the phone kept hanging up on me further stonewalling me. 
Eventually I cancelled the extended warranty since I was unable to use it. 
I only drove the car to the grocery store, church and a doctors appointment so I didnt put on many miles on it and had it for way less than 2 years. 
Eventually the transmission gave way and Carmax said they dont do transmissions so I took it to XXXX and it would have been {$4500.00} for me to fix it and since I didnt have the warranty any long I couldnt use it but then again it didnt cover transmissions. 
I asked Carmax Finance to extend credit to get the car fixed even though the car fell under the lemon law and I called in 10-15 times trying to resolve problem that but couldnt. I told them that I still wanted it and they wanted money therefore it would be in there best interest to help me. They said they wouldnt do anything even with all the problems over time so I told them to come and get the car. My telephone number at the time was XXXX
Product: Checking or savings account

On XX/XX/XXXX of XXXX  I found out my paypal account that was linked to my XXXX XXXX XXXXXXXX account had been compromised numerous times and unauthorized transactions over {$100.00} from a " XXXX XXXX '' were occurring on my account. 

I reached out to XXXX XXXX XXXX regarding these transactions and they opened a claim. Upon reaching Paypal regarding this. XXXX XXXX  XXXX determined that the Merchant Authorized every transaction. 

This is false. I have reached out to Paypal, but because of how the transactions were sent. Paypal can not offer fraud protection as the form of payment sent was sent as " Friends and Family '' causing Paypal to be unable to offer protection for these transactions. 

I was able to narrow down the transactions that occurred as being over {$100.00} for each unauthorized transaction. 

The person that sent these transactions had unlawful access to my account as they logged into my account and sent the transfers, making it look like I had authorized it. 

I have been in a fight with my bank for the last 5 months and have gotten no where. 

The last date of information sent to my bank was on XX/XX/year> with evidence from the scammer confessing to gaining unauthorized access to my account and admitting that they stole money from my account. Despite this evidence. XXXX XXXX XXXXXXXX Denied my Claim.
Product: Debt collection

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor tha this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Debt collection

They keep calling all my family members and parents and telling them to tell me to get a lawyer and should not be going over my business with all my relativesWhen they call my cell never leave a message they threaten on the phone using scare tactics - and asked them to not call family members but they do and family members just hang up on them
Product: Debt collection

Credit Account XXXX credit reference ID XXXX debt of XXXX which is an old XXXX XXXX XXXX debt that was removed from my credit bureau years ago because collection time expired on the account. This bill collector contacted my mother in an attempt to restart the clock this debt asking for my name which is my father 's name as well. Sent debt letter to my parents address in Ohio. Which I do not reside at.
Product: Credit reporting

XXXX XXXX XXXX has reported to trans union incorrectly. XXXX XXXX hospital, for {$2400.00} and also {$70.00} which was in litigation and settled on XXXX/XXXX/15, the law suit in our favor and settled all past unpaid medical bills. They settled from {$63000.00} to {$7500.00} all checks were sent out in XXXX of 2015. This should not be on my credit once let alone 2 times
Product: Debt collection

I only took 4 month of service that I already paid and they are charging me XXXX $ for a service that I didnt receive
Product: Payday loan, title loan, or personal loan

As consumer and beneficiary of this account, I assigned XXXX XXXX as trustee to settle and close this account.
Product: Credit card

Synchrony bank decided to close all of my accounts with them. I have had 100 % payments on time with them. They decided to close my accounts without notice because they say I am high risk of payment default. I have on my credit report years of 100 % on time payments. I have always paid my accounts with them. Never missed one. They claim because I have used my cards to the amount allowed that makes me high risk. They give a XXXX limit but them close your account when you use your card to that amount. It's false advertising, if you get a limit you should be allowed to use that limit without being punished. This has damaged my credit. They don't have a right to tarnish my credit when I haven't had any defaults with them. It's absurd and should be criminal to do that to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to update a phone number in my transition account and have been told that the only way to do this is to mail in my request and it will take 7-10 to process. I find this to be completely ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX 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 XXXXXXXX XXXX, have violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX  XXXX Balance XXXX {$1000.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$4100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX  XX/XX/XXXX
Product: Debt collection

To Whom it May Concern, I do not know what this company is trying to pull here, but this debt was negotiated over the phone, assured that this consisted of all debt and the debt was paid in full. This would be verified with telephone transcripts. Once again, I made sure that all of the medical debt that I owed this company was compiled, and that debt was both negotiated, explained the number of days I would have that offer, assured ( after repeated assurances ) that the debt was all of the debt to this company, and paid it in full using a credit card on that day. From reading what other people have stated online, this company seems to be notorious for this kind of behavior. It seems as though they are playing on the faint-hearted to see if they will fight. I am a fighter, but not all people are. this company has overstepped its bounds entirely, and I hope somebody can stop this type of predatory behavior. 
Furthermore, I contacted the XXXX, was told that somebody would be reaching our, and Amerifinacial Solutions has yet to make a single attempt ...
Product: Debt collection

XXXX XXXX XXXX I had lost my job I had called and explained to the bank they advised me about credit protection for XXXX a mth that I had to apply for to cover my monthly payment I applied and was denied I called again the customer service representative advised me to apply again I did still nothing I explained the situation and offered half of what was due and they denied saying it needed to be full payment as time went on they called all hours of night harassing me even used foul language. Now my account went to collections they would not provide information on the collection agency.
Product: Credit card

I ordered goods from a merchant in XXXX and cancelled the order before delivery because the order was delayed and I had to travel to another country- I could not receive the order. 

The merchant did not process my order cancellation despite its customer service receiving a cancellation request quoting that it was too late, that the order had been shipped. 

The unified XXXX laws regarding online orders prescribe a cancellation option at any point between placing an order and 14 days after receiving the order. This by definition includes a right to cancel and order after it was shipped or to refuse delivery of an order. Both the merchant and the bank were provided with a confirmation of this by a Consumer Protection state agency.

Issue No. 1 - the merchant continued to deliver a non existing ( cancelled ) order. The cancellation makes the merchant responsible for their own goods, not me. 

After this, the merchant delivered the goods to an office address where I originally wanted the goods delivered before I cancelled the order. This was an order to be released against customer signature only. The merchant/delivery company released the order to an unknown third party ( named XXXX XXXX XXXX who was allowed to sign for the package without my knowledge or authorization. The packages could not be found thereafter and the matter was reported to local police. 

Issue No. 2 - both the merchant and the bank came back to me after I raised a dispute saying that they can't do anything because a valid proof of delivery was provided. However, there is nothing valid about a proof of delivery to someone else but the recepient of the order ( the customer ) or someone he or she authorized to receive the package. 

Account Ending In XXXX Reference Number : XXXX Business Name : XXXX XXXX XXXX XXXX Transaction XXXX : {$3300.00} Transaction Date : XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, 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 install
Product: Money transfer, virtual currency, or money service

I was scammed on XXXX and sent {$200.00} through XXXX on XXXX XXXX XXXX at approximately XXXX XXXX. Person immediately stopped responding after I asked for the money back. I reported this issue with my bank by disputing the charges. I have read that Citibank will more than likely deny my request and the next step is to file a complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

My student loans were forgiven in XXXX and XXXX. These loans have reappeared on my credit report after they were closed. This is the fault of XXXX. I have attempted to call several times but nobody answers after hours of waiting. I've also sent messages over their system and no one responds back. I filed a dispute with Experian, but the fault lies with XXXX for reporting these loans inaccurately to the credit bureaus.
Product: Checking or savings account

I was charged {$570.00} from my bank account. It was from one service that I had previously had subscribed to and CANCELLED. The other charges were for a Trial that I CANCELLED as well. Bank of America originally credited back my account. However now they are saying that they are undoing that. I DID NOT AUTHORIZE THESE CHARGES. I CALLED AND CANCELLED THEM. I SHOULD NOT BE CHARGED ANYTHING. THIS IS RIDICULOUS. I WILL NOT BANK WITH THEM ANYMORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested validation of the late payments for my student loans with XXXX and XXXX XXXX XXXX XXXX on my credit report. I received deferments and forbearances, which all were back dated. The FTC advisory opinion interprets Section 623 ( a ) ( 2 ) of the FCRA as how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. The late payments do not reflect my in school status.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a Reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved .The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting notify consumers of dispute outcome. These failures align with my experience, where XXXX has neither corrected nor removed
Product: Debt collection

I received a call from an " officer '' XXXX XXXX. He called with no caller ID and claimed to be working with my county and threatened to come to my home or place of employment this Wednesday to serve me. Said I would need a supervisor present and a valid state ID. Said to call XXXX immediately to prevent being served. The number left is for dispute resolution services, a collection agency. They are misrepresenting themselves as a legal agency and are using threatening tactics.
Product: Debt collection

XXXX. XXXX XXXX. XX/XX/XXXX, XXXX XXXX sent and was returned to me. XXXX sent and stated that they werent the one who sent it XXXX. Calling from different phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Bank-Care Credit XXXX on a payment plan XXXX XXXX amount still owed but different amounts are sent by mail XXXX taken, is in questioning because of different numbers calling but I respond every time
Product: Credit reporting, credit repair services, or other personal consumer reports

I told them about the unfamiliar inquiries I noticed and nothing was resolved, no communication no results. Their time has passed for investigation, resolution is owed now.
Product: Credit reporting or other personal consumer reports

I dont recognize XXXX XXXXt nor have I ever even applied to this company. I would like this removed asap.
Product: Bank account or service

I had over paid on a Bank of America credit card that I had done once before and transferred the over payment back into my checking electronically ( from B of A to B of A ) however B of A decided to charge me a cash advance fee and charges on my own money. I Called B of A and complained to where they finally refunded the fees and said to call in next time and make the adjustment manually to avoid the charge. Well it happened again, I called in being bounced around until she would make the correction. I checked my account and the overstatement was gone from my credit card but no deposit to my checking. Called again and this time the customer service rep. said that for some reason there was a check drafted instead of the direct deposit being made. She stated the records indicated that it was to be a direct deposit as I had said and commented how dumb it would be for me to request a check just to put it right back into the bank, also I commented on how I would never do that because USPS and does n't always deliver the mail and quite often we never receive it. She claims she put a stop payment on the ghost check and made a request for the electronic deposit and would have her supervisor call me on Monday for verification of the deposit. This call was on Friday and I watched all weekend long for the cancelled check to show in the mail and /or the deposit to my checking. Come Monday I checked again and still no cancelled check, no deposit and no call from any body. So I placed another call to B of A and asked for a supervisor. This lady was no help at all. now she says that it could take up to 5 to 15 days for me to get my money. This is the last straw. If I messed around and played games with their money I would be charged penalties, fees and interest.I am on social security and have n't received a descent increase for the cost of living in a long time. I now want to charge them interest and late fees and damages. I 'm at risk now on being late with a payment or two because of their greed. I have told each and every person that I spoke to that the call is being recorded just as they record me. I am seeking help in this matter urgently. 
The option below dosent cover my situation. It 's Checking and credit card issues XXXX XXXX vs Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been attempting to enroll in a Covid 19 program for payment assistance since XX/XX/XXXX. 
Here are the notes we have on our end : XX/XX/XXXX > first call to inquire about the program found on your website offering Covid 19 payment assistance. 
XX/XX/XXXX> emailed insurance declaration XX/XX/XXXX>spoke to a rep about a specific program ( temporary reduction via refiance for 4 months @ 6 % APR ) ; We were told that 1st Investors was not reporting any late payments at this time. 
XX/XX/XXXX> emailed insurance declaration again to another rep who said they could not find it XX/XX/XXXX>spoke with XXXX  for an update XX/XX/XXXX>Spoke with XXXX XXXX manager for an update XX/XX/XXXX>Spoke with XXXX for another update ; We were told that everything was received an we were awaiting for the next steps. We asked about credit reporting and he relayed to us that they were not reporting any late payments during this Covid crisis at the very least and not to worry about it at this point. 
XX/XX/XXXX> spoke to XXXX due to XXXX not available because of vacation and that the case # was now missing on the declaration for the insurance. 
XX/XX/XXXX> Spoke to XXXX XXXX ( another manager ) who said the insurance was still not updated in their system but was updated on the insurance system ( a conference call with the insurance company verified it was completed and on their system. XXXX at this point offered another program to enroll in if we were unsuccessful with the current one and was going to call us back with details. ( one month deferral program ). We never received another call back since. 
XX/XX/XXXX I spoke with a manager whom indicated that we still were not enrolled in a program and that we could start the process for a different program at which point I informed her that we were already attempting to refinance with a credit union. I asked her if we needed to make a payment in order to have to time to refinance which we knew could take about 10 days and she was unsure and directed me to call another #. 

At this point in time we have given up on any program and have successfully secured new financing from XXXX XXXX XXXX of XXXX. 
How ever, I was un pleasantly surprised to find any creditor reporting late payments of any kind while we are in this Covid Crisis period. 
We are both now unemployed and have no idea as to how long this will continue base on government guidelines. However the loan will be paid in full with in the next few days and I would like the credit department to remove the late payment and correctly place a paid in full closed account remark instead. 
I respectfully ask that this be done immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the incorrect on my Credit Reports. Upon reviewing my updates, inaccurate information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX - XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXXInquired on XX/XX/XXXX XX/XX/XXXX