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

I called Friday and I spoke with their receptionist. She informed me that I can go anytime this weekend to return my car & that I didn't need an appt. When I arrived ( Sunday ), I was asked if I were going to buy a car with the lease return.They told me to come back Monday after I informed them I will not buy. Issue is that I'll not come back! Why should I when I am already there and I am ready to hand over the car? Besides, I had arranged a drive home and I needed to drop my car off that Sunday ( XX/XX/XXXX ). However, they would not give me proper release paperwork. I am going on vacation Tuesday & I need to hand back the car Sunday! Now I am stuck with a car and its insurance. I want GM to pay for my {$150.00} insurance and my monthly payment. This is my 2nd complaint against GM. They have been making me pay during the lockdown and now I can't even return their car. Here is what happened XX/XX/XXXX Sunday : The police was called in to help me ( XXXX XXXX in XXXX XXXX ) - the Sales Manager had my car without giving me any paperwork for my lease return. On Sunday, XX/XX/XXXX, I came in to return my car lease that I purchased from them. They told me I had to come back Monday. This isn't right bc I had already called a few days before and they said I can return this weekend! They took my keys, car, registration card without providing me the paperwork. Fishy! I asked them to at least handwrite a note and XXXX had an attitude, " I can but that won't do anything for you. '' Then they tell me that they can't provide the paperwork bc their system is down. My friend, who knew more about lease returns, told me they are required to give me proper lease return documents. He questioned how the finance system is " down '' yet they are still able to finance cars sold that day. I phoned GM financials right at that moment and the GM case manager said the dealership should be able give me the paperwork. Bottomline, I did not get the protocol service, they almost fooled me in letting me walk off their lot without any evidence that I dropped my car off. My friend was mad that they took the car without giving me the paperwork and he called the police. My friend was mad how they took advantage of me. On top of that, XXXX told the police that we are not allowed back to their dealership and he wanted me off their lot. I was waiting there while the police talked to him. Don't worry, we'll take out business elsewhere! Why can't we return the car on Sunday?! Why am I asked to come back the next day? Why didn't I get the proper paperwork? Is it because it goes against their sales goal for the day- corruption! or was that he was lazy? It wasn't professional nor ethical to let me drop off my car without giving me any paperwork. They led me to believe this is how it is done until my friend advised me otherwise. Now I am stuck another day of owning this car and this dealer ( XXXX ) has " banned '' us on their private property. Let me tell you, this dealer doesn't want to take back their own leased vehicle, disrespected us and shamed us.
Product: Credit card or prepaid card

In XX/XX/XXXX purchased furniture from Ashley Furniture on a Synchrony Bank credit card. I paid the first week of the month for the first year. XX/XX/XXXX/XX/XX/XXXX I discovered Synchrony had been charging me late charges every month for the first year. I got NO notifications for a year. I changed the payment date. The mistake was made at Ashley Furniture by the sales person who obviously wrote the incorrect payment date on the contract. Synchrony has refused to work with me on this. 

I have offered to pay off the amount I owed minus the late charges. The total I should pay for the whole transaction plus interest is approx {$2600.00}. At this point I have paid approx {$1300.00} in payments. They are asking me to pay all late charges on top of the normal charges. If I pay this card off today I will be required to pay {$2200.00} for a total of approx {$3900.00}. Basically they are overcharging me {$1300.00}. 

They have brought my credit score down a significant amount. Their customer service people have been rude and refused to help. When I call I get a different person that is obviously reading from the same script as the last CSR. Synchrony claims they are investigating this matter.
Product: Debt collection

Discover Bank has contentiously made negative marks on my credit account in regards to a account they no longer own. They have already stated in letter they gave account to XXXX XXXX XXXX a debt collection agency. When the debt was handled they reopened account and attempted to again charge me. I never gave them written or verbal permission to share my information with XXXX XXXX XXXX. They have errased all previews history of any payments and are attempting to collect inflated amount. When disputing they charge account more to further hurt score. Once they relinquished debt to XXXX XXXX XXXX they gave up rights to collect debt. In a attempt to pressure consumer they have contacted family at XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX and Also the new address of parents at XXXX XXXX. The have made gaining any credit impossible for 4 years as they continue to mark account as over limit. They again marked account as over limit this morning.
Product: Checking or savings account

i have accounts with Bank of America, some of them since XXXX. 
i never had problems with check deposits until now. 
usually, when depositing a check on my checking accounts the information given by BofA is that the funds will be available within 2- 3 business days. 
the last 2 checks ( from 2 different clients, drawn to different banks ) were and are put on hold for 7 days with no explanation given. 
one check ( {$14000.00} ) i deposited on XX/XX/XXXX and it was put on hold until XX/XX/XXXX. 
the other check i deposited on XX/XX/XXXX : " BKOFAMERICA MOBILE XX/XX/XXXX XXXXXXXX DEPOSIT XXXX XXXX  '' in the next line it says : " Deposit Hold {$6000.00} Total amount delayed, available XX/XX/XXXX at XXXXXXXX XXXX XXXX ''. 
i called the customer service at BofA yesterday for an explanation. the answer was that for security reason they have to put the deposits on hold but the can not give the detailed information about it. 

also, the hold on the check of {$14000.00} doesn't show up anymore in my account statement. that means the documentation of the hold was deleted.
Product: Mortgage

I need a solar lease subordination from XXXX. I have a refinance that has been ready except for that 1 condition since XX/XX/XXXX. XXXX has told me 2 times and the escrow officer 3 times they are working on the subordination letter but nothing is ever given on an XXXX nor an executed document. I am now running up on a second payment that should have been unnecessary at {$1000.00} per month in excess of what I need to be paying and the company is doing nothing to satisfy my only remaining condition to complete a refinance. 

XXXX XXXX Your program provider has partnered with Launch Servicing , LLC to service your account. 

Launch Servicing , LLC is a debt collector attempting to collect a debt, and any information obtained will be used for that purpose. 


Correspondence Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Payment Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card

Bank of America XXXX. Misleading advertising. " Introductory APR '' " 0 % for 12 billing cycles '' One would think the card has 0 % for 12 months. However, fine print states that " Applies to any balance transfers made within 60 days of opening your account '' and it ONLY applies to balance transfers, not to purchases. Very misleading.
Product: Debt collection

I don't have a written contract with the company ( I C SYSTEM ), nor have I in the past. Therefore, I don't owe this company anything.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX 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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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: Debt collection

I have sent several notices in regards to getting information to verify debt. Signed signature, contract thats dated, u have not received any of the above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Based on their instructions I was able to confirm that my information, to include personal identifiable information, was included in the breach. My identity is no longer reasonably considered to be " secure ''. Equifax was unable to safeguard the information. 
I understand that Equifax is a victim here as well, however, my entire identity is open to theft.
Product: Debt collection

Have account with XXXX XXXX XXXX XXXX - XXXX. Original bill was {$1200.00}. Insurance paid {$900.00} leaving an approx XXXX balance. I have made regular payments on this account and have a balance of {$100.00}. They turned this over to collection agency. They encourage you to go through the website and pay on XXXX which I do every other week. When you pay it does not give you the option of which billing, which invoice it just takes the payment. They state that all of my payments have been going to this account with they turned over to the collection agency. They are doing the same thing to me on the hospital billing it shows I owe {$1600.00} which I have been making regular every other week payments. The portion that they applied my payment to they have turned over to collection agency for {$1100.00}. My balance on my account with them still shows {$1600.00} which includes this {$1100.00}. So they are telling me I have to keep making payment to them on the {$1600.00} and call and make arrangements for payments to the collection agency for the {$1100.00} as well. None of this makes since nor is it fair. I have made payments they have applied them where they want them to go and they turn them over to collection with no notice. What can I do??
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that the mentioned companies listed are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports 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

There are MULTIPLE fraudulent items on my CHEXSYSTEMS report. I do not have any idea regarding these fraudulent accounts on my CHEXSYSTEMS report. 
I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. These accounts are NOT MINE.
Product: Checking or savings account

I was charged overdraft fees when having sufficient funds in my account. There seems to be a delay in their system that making this occur. Because of this Ive been blocked from loan and refinance opportunities with navy federal wrongfully.
Product: Student loan

I have been trying to get additional information about which payments I 've made count towards Public Service Loan Forgiveness. Ever since I asked for this information, my monthly statements have shown that my payments that have counted have gone down. 

My billing statement dated XX/XX/XXXX reflected 65 payments counting towards PSLF.
My billing statement dated XX/XX/XXXX reflected 55 payments counting towards PSLF.
My billing statement dated XX/XX/XXXX reflected 47 payments counting towards PSLF.
I received a call earlier this week advising that they are working on an accounting of my payments and wanted to know if I was still interested in receiving it. This is absolutely absurd. I asked for an accounting in XXXX of this year and they have been unable to produce it AND are retroactively reducing what was previously determined to be eligible PSLF payments.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX XXXX. I called customer service with a question. Asking why I couldnt see my XX/XX/XXXX transactions. They informed me they would put a ticket number about the problem and have someone call me back. I never heard back from them. So on XX/XX/XXXX at XXXX XXXX. I called about the problem. I was informed that I couldnt go back that far on line. They would have to send me a copy through mail. As of XX/XX/XXXX I have yet to receive my transaction from XX/XX/XXXX which I dont understand at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was mentioned in my previous COMPLAINT #, and I include it again. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX I filed a complaint against Bank of American due to them reducing my ( 3 ) combined credit cards totaling {$30000.00} dollars, and reducing the limit to {$9000.00}. Bank of American response was this was due to small payments being made on the account they has to limit their risk. This made no sense at that time, due to I i that maxed the credit charge to XXXX XXXX usage. 

I then began to make payments in large amounts, {$1200.00}, XXXX, XXXX... etc. After 4 months of making large payments, I have reduced my balance from {$9000.00} to {$5000.00}. I checked my account and notice Bank of America once again, reduced my limit and maxed out my credit usage to XXXX XXXX of the new limit of {$5000.00}, This action cause me to be fined for over the limit fees, I did a little research and discovered Bank of America has targeted my account due to my political affiliation XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( See attached letter ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I truly believe Bank of America are using profited tactic in an attempt to cause me to close out my account, therefore to eliminate doing business XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Bank of America has received complaints from 22 other states Attorney General due to the same tactics being utilized in other states.
Product: Credit reporting, credit repair services, or other personal consumer reports

1/ I complaint into GSA too much time from phone to complaint direct at their web-site, I am not solve and I am not feed back 2/ My case at Supreme Court OF US was theft and fraud from all defendants at US court Northern District 3/ FEDERAL BUILDING POLICE SECURITY unite with them lock my human right before FEDERAL COURT AND FEDERAL JUDGE, Include XXXX and OFFICE SSI and SSA local I live at XXXX XXXX CALIFORNIA 4/ My face and my voice were lock by them 5/ My certified sent into all court almost were theft, stolen and Fraud
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account number XXXX date opened XXXX XXXX / XXXX XXXX {$1100.00} account number XXXX had violated my rights 15 u.s.c 1681 section 1602A states I have the rights to privacy 15 u.s.c 1681 section 604 a section2 it also states a consumer reporting agency can not furnish account without my written instructions
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 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 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 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 reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed with the bureaus on XX/XX/2022 but they did not remove the items below. Sec. 602 FCRA States " I Have A Right To Privacy '' XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX-XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Debt collection

Yesterday I noticed that Credit Bureau Associates of XXXX, GA reported a medical collection on my credit reports. First I called XXXX, to talk to a representative to see if that collection could be reported. As we investigated, it was shown that the company should not have reported to my credit. That the medical debt was not passed due for 1yr with their agency. That law was passed this year 2022. The reprint then informed me to call the collection agency and ask them to remove the collection since it's in violation of th fcra. I called the collection agency and spoke with an representative, she informed me that they can not remove the collection, but can close it if I set up an arrangement. I told her I can set up an arrangement if the debt was verified and not in violation of the hippa law that protects my health information that they are not privileged to. So I asked again could it be removed. She told me no and transferred me to " XXXX '', a supervisor. XXXX continued to say that she can't remove it and it's not in violation and she doesn't have to validate any debt pass 45 days. I asked her how could she not validate a debt when requested? I never knew a company could refuse validation. She continued to say that she doesn't have to do anything and since I disputed it she still doesn't have to validate. She continued to say she can see my visit, and tests that the insurance supposedly paid for, that is information that she should not have. I feel offended. I would like this debt removed from all three of my reports. If validated I will pay collection. I just want to make sure everything that has been done to me is valid.
Product: Debt collection

I reached out to Experian to remove a bankruptcy from my credit profile and for proof of the reporting company who furnished this bankruptcy report to my credit profile. I was told by Experian that XXXX XXXX is the furnisher whom they received the information from. I reached out to XXXX XXXX and they denied having a bankruptcy on file to furnish to Experian. I also received a copy of my XXXX XXXX credit report showing proof that it doesnt exist and Experian us not being truthful. Im submitting a copy of my report from XXXX XXXX as proof that their is no such reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit reporting agencies are listing numerous Credit Inquities which are not linked to any accounts that I am a holder of. I am Im the process of trying to purchase a home and these Inquiries are an issue. I understand that an inquiry should not be on my file unless I have authorized it so I am kindly requesting that these be removed from my credit because it is making it difficult for me to proceed with home ownership.
The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit.
2. Insurance. 3. Court Order. 4. Employm
ents.
The following Inquiries are not related to any of the aforementioned permissible and I would like them to be removed. Some of these Inquiries are so closely dated that I am certain they are unauthorized.
1. XXXX XXXX DatedXX/XX/XXXX ( 3 Bureaus ) 2. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 3. XXXX XXXX XXXX Dated XX/XX/XXXX( XXXX ) 4. XXXX XXXX Dated XX/XX/XXXX ( Experian and XXXX ) 5. XXXX XXXX DatedXX/XX/XXXX ( XXXX ) 6. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 7. XXXX XXXX Dated XX/XX/XXXX( 3 Bureaus ) 8. XXXX Dated XX/XX/XXXX ( Experian ) 9. XXXX DatedXX/XX/XXXX ( XXXX ) 10. XXXX DatedXX/XX/XXXX ( XXXX ) 11. XXXX Dated XX/XX/XXXX ( XXXX ) Please do not hesitate to correspond with me if you need further information and I am grateful for your kind assistance.