23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have scheduled an appointment with XXXX XXXX in XXXX XXXX XXXX XXXX to get my XXXX XXXX looked at because of possible transmission issues. I called on XX/XX/2022 to get a status update on my vehicle and there was no answer. I called again and there was no answer. I even left voice messages. On XX/XX/2022 I went online and was able to chat with the other XXXX XXXX company to ask if they were open. XXXX, reached out to the XXXX XXXX location to have someone call me back. Someone called back and said that my vehicle was done and that they would test drive it again and call me for final payment and to pick it up. I received my XXXX back on XX/XX/2022. I notice that there was some noise coming from the front and the back of the vehicle and then I called them on XX/XX/2022 to let them know. They ask me to bring the vehicle back on XX/XX/2022. I told them that it sounds like something was loose still and took it back on XX/XX/2022 XXXX XXXX XXXX  and got it back the same evening and I was told that they tighten everything up and that the manager said that he would drive the vehicle to XXXX to assure me that it was fixed. Then on XX/XX/2022 while in XXXXXXXX XXXX, I smelled antifreeze, and then it poured out literally so I had to get my insurance company to tow the vehicle to my house and then make an appointment to XXXX XXXX for XX/XX/2022. I then had to get another tow to the XXXX dealership. XXXX also called XXXX to let them know about the leak on XXXX XXXX I had to get my coolant lines repaired that connect to the transmission and asked that they tighten everything up, and asked if they could tell me if the transmission was replaced. They said that they really couldn't tell me that unless they took the shell part off but that there is definitely an issue with the transmission and that they had some questions about what was supposed to be done. He told me that I would more than likely be needing a new one. Upon me picking up my vehicle from XXXX, I stopped past XXXX unannounced and asked for my invoice and for him to show me a copy of the receipt where he was supposed to have purchased a refurbished one he couldn't produce the receipt because he didn't have it, and I asked him to take a picture of my old one and send it to me, and he didn't do that either. I have a recorded conversation about this and I used a voice-activated record for proof. So basically I paid for a service that I was not satisfied with because they ripped me off. I presented the documents to both of the credit card companies and one gave me my money back and XXXX denied it for some reason. I am looking for a full XXXX refund.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX a domestic wire was supposed to be sent for XXXX. The banker received the right bank name, account number, and routing number as I initially did the same type of wire in XX/XX/2022. I showed the banker exactly how the receipt from the previous wire was done and was under the impression she did it the same way. She asked for a XXXX code and I told her we didn't need one because the bank was in the US. She demanded one in order to send because the merchant was in XXXX. I again explained that the merchant bank was in the US. Once she asked again for it I gave it to her because it seemed like she wasnt going to do the wire without it. I noticed the receipt that was sent to me didn't show the bank that I gave and I found out the banker sent the wire internationally without an IBAN instead. The funds never reached the recipient. TD bank has not found my wire and its been close to 4 weeks. The banker did my wire incorrectly by sending the funds to a US domestic bank on an International wire transfer.
Product: Student loan

I submitted a request to consolidate specific loans to create a direct consolidation loan. Either dept of ed or Navient ignored my clearly typed application which listed the exact loans to consolidate and the XXXX loans to exclude from consolidation ( on separate forms with clear labels ). This resulted in the XXXX Perkins loans being consolidated with my other federal loans and I have lost my benefits to defer these loans under the Perkins Loan request for deferment prior to cancellation, as I am employed as XXXX at a XXXX. Now these loans are accumulating interest that will increase my overall debt to be paid while Navient and Department of Education have said they are addressing the error, after calling 15 times and talking to different people who accused me of submitting one form with all of my loans listed. I finally have in writing, via email from Navient, " Hi XXXX. 

We have requested for the Perkins Loan to be unconsolidated. We have to get approval through the Department of Education. Once the approval is received, the loan can be unconsolidated. 

It is a time consuming process which we have no control over, but I wanted to let you know we are working on it. 

Regards, cid : XXXX XXXX Loan Consolidation Specialist, Loan Consolidation Department Navient XXXX, XXXX , IN XXXX XXXX XXXX FAX '' That email was sent XX/XX/2016 and I have not been able to get anyone on the phone from this department to check on the status. They have not returned my calls after leaving messages. And furthermore, because I am a XXXX working for a XXXX, I qualify for Federal Loan Forgiveness, for which 120 qualifying payments will forgive my loans. But payment on this direct consolidation loan ( incorrectly ) will not qualify because this will be a different loan after they de-consolidate the XXXX federal perkins loans. The fraud is absurd in this organization, I am drowning in XXXX dollars of debt and the only light is that I can work towards federal loan forgiveness over 10 years, and loan deferment and cancellation over 5 years of my federal perkins loans. I have never felt so helpless. I attended XXXX University for my XXXX 's, from which my Perkins loans were disbursed. I then attended XXXX University for my XXXX for the large majority of my other federal loans.
Product: Checking or savings account

I signed up for an HSBC checking account because they promised a {$450.00} bonus. I met the requirements, but the 8 weeks came and went without the bonus being paid. I contacted them and said " what's up with that?! '' and they told me I didn't open the account " through the campaign landing page ''! Oh no! A total complete lie! I 100 % did open it though the campaign landing page! Thank goodness I saved PDFs and HTMLs. ( Side note : It is mighty suspicious that the bonus code does not show up anywhere in the application as a text field. Other banks have the code show up somewhere in the application ... for obvious reasons. ) Also, other customers have complained online about HSBC l-y-i-n-g to them and making this exact same excuse to them! Wow!

Anywho ... I'd like my {$450.00} bonus now. Thank you!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF ED / XXXXXXXX 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: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX, I transferred money from my coinbase account to my checking account ( XXXX XXXX  ) which I have done in the past without issue. These two transactions were made on XX/XX/XXXX. The first amount is {$61000.00}. The second amount is {$270.00}. Both deposits have not been posted to my account, I have not received either. I have called coinbase support and have not gotten anywhere. They told me this is an issue that is happening to multiple coinbase customers but will not give me a time frame or any information as to when this will be fixed or where my money is. This is why I am filing a complaint against coinbase.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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: Checking or savings account

I am in the middle of sorting out a fraud charge actually 2, that showed up in my bank account while I was online. Yeah shocking to say the least. 
I called the bank US Bank via XXXX we locked my acccount the charge was still pending and supposedly they put it on hold and locked my acccount. 
I called back on Thursday of the same week we cx the old card and I got to the fraud folks. 

Today I check my account and the 2 fraud charge posted, the bank fraud folks never once did the job initially so now with my ss retirement due to hit this bank on the XXXX wednesday I am so upset. 

US Bank pretty much told me I should withdrw my ss money as soon as it hits the bank and I was like '' what sleep over at the XXXX  and watch my phone???? '' they could not lock my account infact they wont do anything and my ss retirement ripe for theft - seriously??? Now I cant even change banks until XXXX regarding my ss retirement and this if I have a bank account alternative now - like c'mon US Bank So I called back again to US Bank today yep one more time - these clowns can not even close my account without assuring me the return of the fraudulent charges would happen that fast. SERIOUSLY so clown is taking my money and the banks just lets them do it - what a joke huh not funny my retirement is under threat HELP
Product: Debt collection

Original debt XX/XX/XXXX renewed on XX/XX/XXXX received a superior court notice on XX/XX/XXXX stating the amount of {$4500.00} Received a letter that states I now owe them {$8300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this as I am a consumer and has been a victim of inaccurate reporting by XXXX XXXX on their account [ Account Number : XXXX ]. I want to bring to your attention the fact that the account has been inaccurately reported as " paid twice ''. This error on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) regulations. 

I am hereby requesting the Credit Bureau to remove any and all credit information associated with XXXX XXXX XXXX account [ Account Number : XXXX ] from my credit report, as your bureau is a party to this reporting of incorrect payment history. The inclusion of such an entry in my credit report, as " paid twice '' has adversely affected my credit score, which in turn has had unnecessary financial consequences. 

The accurate information which XXXX XXXX  should have had provided was in fact that I made a payment in full for the account [ Account Number : XXXX ] and the account was closed after balance was fully paid at end of year 2020. Any entries reporting an incorrect status or repeating the same information would not only be a violation of FCRA guidelines but also misleading as such double pay or overdue/pending payments ultimately give incorrect certainty to my creditor scoring. 

The reporting of " paid twice '' has marginalized my credit standing with the worthiness as a borrower and also has had impacts like higher interest rates, having difficulty in securing loans from various lenders, and so summarily created unnecessary financial hardships. 

This reporting error by XXXX XXXX has caused significant inconveniences to me and failed to comply with FCRA provisions. The FCRA regulations aim to protect consumers from inaccurate credit information, and as such, any violations of these laws will attract legal actions for failure to comply.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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 Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

I am writing to formally dispute a XXXX  payment entry that has appeared on my credit report. The report indicates a XXXX  payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this XXXX payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported XXXX  payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL XXXX  payment. Your immediate attention to this matter is greatly appreciated.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Unionregarding multiple overdraft fees I have incurred despite having sufficient funds when transaction where authorized.i was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against NAVY FEDERAL, for similar practices where similar transactions settled with insufficient balance despite initially available funds. Ibelieve these practices are unfair and request a investigation into my account transactions.
Product: Debt collection

there 's a company by the name of concord resolutions called me and left a recording on my phone stating that I have limited time to place a statement on file and i called to see what is was about and the guy told me a company I owe wants me to resolve it or they will take me to court and to my knowledge I do n't owe any XXXX I 've been getting these debt collectors calls for months paid them back but now that I XXXX this company and a lot of people has said this is a scam and they been having problems with them I want all of the calls to stop so please what can I do? I 'm tired of giving money to these people and knowing I do n't owe them I just do n't want to deal with the threats and the courts at all
Product: Credit card

Received a credit Card from Bank of America that I never applied for with a limit of {$12000.00}. They stated it was opened XX/XX/2023. They closed the account at my request but could not explain how it was applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX  XXXX XXXX   XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX,
Product: Debt collection

JEFFERSON CAPITAL SYST {$1400.00} Reported to my credit XX/XX/XXXX, shows opened on XX/XX/XXXX I am part of the XXXX breach, I have no knowledge of this account and do not use XXXX. I requested written documentation from this company on XX/XX/XXXX and XX/XX/XXXX. I have no correspondence from them since my letters were sent. I would like this collection removed from my credit reports XXXX and XXXX.
Product: Debt collection

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. I have enclosed the fraud package that was sent to them. This account was created by a fraudster under my name without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian in XX/XX/2021, I filed an online complaint in XX/XX/2021 and I called Experian in XX/XX/XXXXregarding a negative credit report from XXXX XXXX XXXX XXXX. I filed a complaint and nothing was done by experian. I called Experian, in XX/XX/2021 and today, XX/XX/XXXX, nothing has been done, no contact form experian.
Product: Credit reporting or other personal consumer reports

XXXX managed my refunded student loan after the student loan forgiveness act. They are claiming that I didnt make payments but no one ever contacted me and told me that my payments were due. I paid my account in full in XXXX when I realized that my the loan refund was rejected due to the Supreme Court decision. Had I known, or if I had received correspondence sooner I would have paid it in full sooner. They have ruined my credit as a result. Before this my credit was near perfect and they destroyed it. This misunderstanding should be rectified immediately.
Product: Consumer Loan

I had entered into a purchase agreement for a vehicle, XXXX dodge caliber through XXXX located in XXXX, XXXX. Which was financed by : Santander Consumer USA, XXXX. XXXX XXXX, XXXX, XXXX XXXX : XXXX. This purchase agreement started XX/XX/XXXX/XX/XX/XXXX. In XX/XX/XXXX I had to file bankruptcy. Even though they where listed I had agreed to continue making agreed payments which i did up to now. Now this is my complaint XXXX refuses to update credit agencies of my account and my on time/correct payments. I have contacted them on different occasion and the credit agencies said there is nothing they can do, this information has to come the financing company. This company has hendered me from getting refinanced as they have refused to do, which kept me in a high interest rate loan. I have just recently been able to get refinanced through XXXX XXXX.
Product: Debt collection

Portfolio Recovery Associates. XXXX XXXX  Trying to collect a debt that was originally owed to XXXX  XXXX XXXX I questioned the account and disputed of various reasons Portfolio Associates ARE RECKLESS AND ABUSIVE to me. I have XXXX XXXX I was willing maybe to work out an arrangement to pay something to keep my dignity and good name intact before I die.. 

They just are inhuman SCUM. decided it's business. Never heard back from them to let me know how they made out with my dispute just went right ahead and decided to XXXX this to my credit report as a collection account after harassing me and NOT working with a person with medical problems. 

I AM REQUESTING ACCOUNT BE REMOVED AT ONCE LET RECOVERY PORTFOLIO PAY THE DAMN BILL FOR HARASSING. A XXXX XXXX PATIENT.