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

XXXX night at XXXX my XXXX XXXX was repossessed. When I called West Lake Financial, I was told that my car will not be released until the balance is paid. My loan was originated with XXXX XXXX XXXX and I paid off the first vehicle on this account and towards the very end of paying off this vehicle, my loan was sold to or given to West Lake Financial because I was told all XXXX XXXX accounts were being handled by XXXX XXXX. I asked XXXX XXXX why was my account being handled by a collection agency when I was not late on my payments. I was told it was not a collection agency and they will be handling all accounts. From my very first encounter with West Lake, they did not have any of my information in the system for 2 months but told me when my information finally got updated that my account was past due. I told them that I pay XXXX every month on the XXXX and when I make my payments, they continue to ask about the past due balance. I spoke with XXXX XXXX and was told that I should disregard that and they have instructed West Lake that my account is not past due and to accept my regular monthly payments. My account is now down to under XXXX as of today XX/XX/22. The balance left are deferral payments over the course of the loan and those are being paid back as I did the entire loan ( in monthly payments of XXXX ). I received a letter from West Lake stating I am in total collection and car could be repossessed. I immediately called XXXX XXXX and was told, they will take care of it and not to worry. Everytime I called West Lake no one would listen and everyone was so scripted that what the customer said was not important. Well I looked out my window last night only to find that my car was gone and I called XXXX XXXX to assist since they are the ONLY ones listening. This has been a TOTAL NIGHTMARE with West Lake and I plan to take further legal actions against this company to the fullest extent of the law. They are very unprofessional and ALWAYS act like bullies everytime I call them. The last conversation was with a supervisor XXXX XXXX who stated to me that my car will not be released until the balance is paid. I tried to explain to him what was going on and he told me it did not matter, the car is not being released until they get the payment. This treatment is unacceptable.
Product: Debt collection

I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

HUNTER WARFIELD ( Original Creditor : XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was depositing funds from my credit union checking account into my coinbase account. 
{$1000.00}. And {$4000.00}. 2 transactions. After Trans were completed there was a notice in the details stating the funds will be avail. To withdraw on XX/XX/2023 I made the Trans on XX/XX/2023 that is a 14 day on the funds sent electronically. After much searching I found their live chat support. This was a solutionless waste of time. I was told that it's the policy for ACH payment to get a 2 to 3 day hold and after that coinbase may take another 3 days to process it. When I told her that's 6 days there is 14 day hold plus I dint know this, why didn't they inform me at the time of purchase she said here is a link you can read about our policy. We went back and forth so I ended the chat. A day later I started a new chat and it was more of the same as previous chat. Both chats lasted 1 hour +, I can't tell you exactly how long because the chat is not accessible during or after. No scrolling up to reread what was said or copy the link provided no option to email it to me. A ridiculous system for support. I had a 3 chat but the agent was very unhelpful. I thought reg cc gave rules on how long a financial business can put on deposited funds? 14 days on funds they have recvd electronically is unreasonable. How can I get this lifted. The funds are part of a business investment that had a deadline of today XX/XX/2023 will be cancelled. I am requesting you help in this matter. I asked where are the funds or where do they hold them but recvd no answer. This is like the stock market I am losing money as time progresses. Thank you Ps they use email for accounts no account numbers. Plus I gave you my home address
Product: Credit card or prepaid card

{$300.00} XX/XX/15 closed the account, I wanted to close the account but the company did not want to
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2015, Tide Water Finance are reporting a reposession on all three reporting agencies and a balance of {$20000.00} on a vehicle and that I've 28 % of the original amount. This was not a repo and there is no balance of {$20000.00}. This is incorrect information is adversely effecting my credit as well costing me money in higher interest rates and even higher insurance premiums. Please help!
Product: Money transfer, virtual currency, or money service

My refund I never received 2 years put banks account in my name threw online banking hacked all my accounts my son school email my devices stalking me I haven't never ever seen her face to face. Stole unemployment 10,200 stole my stimulus checks I been going threw this 2 years I'm scared to file this year cause I don't know who too trust I show prove police fbi president everybody I could and everyone turned they back on me and my kids and daughter pregnant staying at her friend 's house cause my hackers ruined my life and I lost everything.
Product: Checking or savings account

I opened a new savings account with Citi Bank in XXXX. 
I made deposits of : XX/XX/XXXX - {$6700.00} from XXXX XX/XX/XXXX - {$500.00} from XXXX XX/XX/XXXX - {$2500.00} from XXXX XX/XX/XXXX - {$440.00} On XX/XX/XXXX I transferred {$5000.00} from XXXX, which Citi Bank flagged as suspicious ( after accepting my {$5000.00} deposit ) and locked my account. On XX/XX/XXXX I received an email stating my account would be closed within 60 days. I have called Citi Bank numerous times and get different answers each time. I have been told twice, that {$0.00} was due to client. The lastest is that Citi Bank will send me a check for {$3100.00} within 10 days. When I asked about the rest of my {$12000.00} plus funds, I am being told that I must contact XXXX and XXXX for them to retrieve my funds, because Citi Bank will not mail me a check or return the funds to my accounts. It has been over 3 months now and I have not received any of my funds.
Product: Checking or savings account

On XXXX i sent Check to my landlord ( XXXX XXXX XXXX XXXX ) for {$740.00}, and on XXXX I found ou the same check # XXXX was forget to {$4000.00} to the name of XXXX XXXX to a XXXX XXXX  XXXX account ( XXXX ) .on XXXX i filled a complaint with chase bank and I been told it will take 60 to 90 days for the investigation, and I still didnt get my money even the 90 days are over. 
XXXX XXXX XXXX XXXX XXXXXXXX fraud detection call me to verify the authenticity of that check, witch I told them it was forged, they told me the the money is being hold with them.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint because I believe that Bay Country is guilty of deception business practices. On XX/XX/XXXX, I contacted Bay Country at XXXX because I received a second loan pre-approval notification. I asked a representative to verify the validity of the correspondence. The representative said that I was pre-approved, however, I would need to payoff a previous debt ; a debt that was included in a XXXXXXXX XXXX XXXX bankruptcy. When I challenged the accuracy of her statement, I was transferred to a Branch Manager who told me that even though the debt was included in a bankruptcy, I was still liable for the debt because the loan was a secured loan. I asked for this information in writing, was told they would send it ; to date I have not received. They did however send me another pre-approval letter. 

I am reporting this incident for two reasons. First, I believe that XXXX XXXX bankruptcy law is quite clear on this subject. Unless I re-affirm the debt ; it is discharged. However, this business is giving contradictory information. Secondly, I believe that this business is operating deceptively by sending out pre-approval notifications; telling people that they are pre-approved to trick them into applying for a loan. In my case, I believe it was a tactic used to try and deceive me into reaffirming a discharged bankruptcy debt under the pretense of a pre-approved loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is driving me INSANE! Please help and do not close this complaint! XXXX XXXX, Executive Assistant at XXXX ; XXXX XXXX ( XXXX ), President, XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, CEO, XXXX have all been made aware of this and are COMPLICIT in this. Laughing and mocking me! They have SENSITIVE information currently stored in their email address inboxes including copies of my : Passport, Drivers License, Social Security Card, etc that i'm asking to be deleted and remediated. XXXX blatantly lied to me and told me that " they couldn't find the XXXX XXXX XXXX accounts '' and REMOVED the WRONG ONE that was on my credit account since XXXX! It's insanity! Now XXXX XXXX is calling me threatening to SUE ME! This was supposed to be taken care of in XX/XX/XXXX and WAS PROMISED BY EQUIFAX to be taken off within XXXX hours! They lied! I mailed in my copies, faxed it XXXX times, and each time there is a new issue! XXXX XXXX said they didn't receive info from Equifax yet that it was fraud/ identity theft! A male supervisor at ( XXXX ) XXXX was very kind and helpful last Thursday and told me that the account numbers for the XXXX XXXX XXXX accounts closed on XXXX XXXX, XXXX had been changed and that may be why Equifax can not locate them. Nonetheless, he told me to file an FTC fraud/ identity theft report and then fax it into Equifax and he will take it off IMMEDIATELY! These people have done NOTHING! It takes a maximum XXXX business days to process their faxes and I sent it last Thursday so it's been XXXX business days! Plus they received the previous information XXXX XXXX since XX/XX/XXXX! Yet fail to take any action! Im attaching legible copies of my SSN, Passport, Police Reports, FTC report, SSN Card, etc once again! And all previous correspondence! I want the CFPB to take action against these people! They're the reason I've suffered from identity theft to begin with! Which is why I won a lawsuit against them almost 3 years ago! Please CFPB take action against them!
Product: Credit card

On XXXX XXXX 2015, Paypal Credit conducted, without my authorization, a hard credit check on my credit card account and reported this check to XXXX XXXX on XXXX XXXX 2015. I did not verbally or in writing do a PayPal Credit application. I did not contact Paypal Credit for a new card. I did not contact Paypal Credit for a new credit limit or a different interest rate for my existing PayPal credit card account. I tried, unsuccessfully, to resolve this with PayPal Credit by phone on XXXX XXXX. I have sent PayPal Credit a letter demanding that they provide me with proof of my authorization to conduct a hard credit check on my account -- which is good standing. It is my understanding that if I did nothing to merit such a credit check that PayPal Credit must legally take action to have this report removed from my credit record.
Product: Credit reporting or other personal consumer reports

This complaint serves as a follow-up to my previous complaint ( XXXX ) filed on XXXX against Experian regarding the inaccurate reporting of a purported debt on my credit report. While I am grateful for the CFPB 's ongoing investigation, I regret to inform you that Experian has further violated my rights by marking the disputed debt as updated on my credit report as of XXXX. This action blatantly disregards my valid dispute and the lack of any proof of debt provided by the debt collection agency.
Product: Credit card

I know CitiBank had been under scrutiny and under investigation in the past for not giving out loans to specific XXXX XXXX groups in XXXX XXXX, targeting XXXX. My complaint is not about a loan however the use of my Citi Double Cash Back credit card. 

On XX/XX/XXXX, which is my birthday, I used my card to purchase BBQ meat somewhere around the {$380.00} and my transaction was declined. I received the text message to verify the purchase, I texted yes, got cleared, ran the card again and got declined. This was the time where CitiBank was discriminating against certain groups. I called to see why it declined ; they gave me the excuse that the merchant was under " fraud '' investigation. Mind you the merchant was XXXX  owned, hence another discriminatory act. 

On XX/XX/XXXX, which was my mom 's birthday, I wanted to treat her to a nice birthday day. After asking for the check which was around XXXX XXXX  XXXX, I gave my CitiBank card to pay, and guess what, it got declined again. It was in the amount of {$1100.00}. I was dumbfounded and embarrassed as I told the waitress to run it again and it got declined. It was so embarrassing at the restaurant because they thought I wouldn't be able to pay the tab. Luckily, I had another credit card, and it went through smooth like butter. To make it worse, after my card declined, twice, i never got a text message or email saying if I was using the card. I literally got the message XXXX XXXX  XXXX, almost XXXX hours passed the transaction time. When I called the next day to complain, they didn't give me an answer or excuse or anything. just said nothing. This restaurant was also an XXXX  owned established On XX/XX/XXXX, leaning into XX/XX/XXXX because of the time. It was my birthday, and I was having a birthday celebration at a restaurant. Again, when the check came, I said let me try my Citi Card to pay the tab. It got DECLINED AGAIN. The check amount was for {$1300.00}. Again, no message or email until XXXX, almost 1 hour after the fact. Luckily, I had another card that processed with no problem. Again, when I called to ask them why, they gave me the run around, no clear answer, and said " it was for my protection. '' Yet again the restaurant was XXXX  owned.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting all obsolete student loans. I have attached the credit report with all of the obsolete loans displayed. I have requested for the old student loans that are too old to be in credit file to be deleted numerous times but yet the organization refuses to delete. I have attached a copy of my credit report with the obsolete student loans and again requesting for the immediate removal of the old loans. It seems they are re-aging. I have asked TransUnion to request opening of student loans and payment history of each which would support that all loans meet the criteria of being too old to be on file.
Product: Credit reporting

I have, for the past 4 years tried to get an Equifax Credit report. I have had no problem with XXXX. It seems that a whole lot of people are having the same problem. After you input the info ( on XXXX ) instead of getting a report you get a page that says one can not be issued online and you have to mail a copy of your drivers license, social security card, paystubs etc. and they will mail you a copy. I did that last year and I still have not received a response and I feel acutely uncomfortable mailing out such private information and have no idea who now has it. On top of it, when you go to their website, they give this number : XXXX EQUIFAX. Now, if you notice, that is too many numbers. It seems to me that they do not want to issue a yearly report, much less talk with anyone about it. I went in on an open forum and XXXX people are having then same issue with them. Please investigate as to why they are making this impossible to do. They are being remiss in their obligation to a free annual credit report. Thank you.
Product: Debt collection

Bankruptcy filed XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I wrote/Call a letter to the courthouse of Georgia To verify if they report Bankruptcy to credit reporting agencies and my Feedback was they do not report to Reporting Agencies. 
I would like to know how the credit Agencies Soecify my Bankruotcy as Accurate.they never performed a fair investigation according to 15USC1681A 15USC 1681 section 603 ( 3 ) ( E ) state the consumer report portion thereof in which information on a consumer characterized general reputation of personal characteristic or mode of living is obtain through personal interviews Infirmation should not include specific information on credit report obtain directly from the consumer or from consumer reporting agencies when such information was obtained directly from the creditor My rights was violated by given rights under US c 1681A According to USC 1681sectuon 602A stated I have a right to privacy
Product: Credit card

In 2020 I was a victim of fraud/identity theft. My Discover card was one of my credit cards that had charges on it that were not mine! Somewhere right around $ XXXX in charges. This company has absolutely no fraud protection or prevention for their consumers! And they had no care in the world that I fell a victim to fraud and refused to work with me in getting these charges off of my account. And now has reported it on my credit report as a charge off which is hurting my credit! Ive tried calling in several times over the last 2-3yrs with no help or feedback at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX. Please update this account ASAP.
Product: Credit card or prepaid card

On or about XXXX I applied for a Sams Club Credit Card ( Serviced by Synchrony Bank XXXX and was denied for the reason " Could not verify Identity '' via email - I called the toll-free number as directed and after several long holds, disconnections, and more I was told I would be mailed a letter that would explain. To date, I have yet to receive a letter. Frustrated, I reached out the Office of the CEO and was contacted by a XXXX XXXX. XXXX XXXX said she would research my application and get back to me. 
Today, XX/XX/22, she called me and told me her fraud department could not provide any further information. She told me I should try to reapply in person. I asked her how long I should wait, and she said, 30 days. I called the toll-free number and was told I must wait 90 days. 
My complaint is that I am unfairly being denied credit due to a fraud reason no person at Synchrony can explain and, I have offered to go to a XXXX XXXX XXXX to verify my identity or to mail/fax/email a copy of my ID including a passport. 
My credit history is flawless, and I have scores at or above 800 on all three repositories. I was told that my application was denied and that I have no recourse. This is unfair and discriminatory as I have gone above and beyond to resolve this. 
XXXX XXXX admitted this is a flaw in their system however offered no resolution to me other that than the apply in 30 days suggestion which thankfully I called to verify just to find out she was wrong.
Product: Student loan

This complaint serves as a follow-up on complaint # XXXX. Previously, my student loan servicer " University Accounting Service '' ( UAS ) informed me that I held a student loan owned by a lender " XXXX XXXX XXXX '' ( XXXX ). UAS would not provide a copy of the master promissory note nor would they provide contact information for the listed lender XXXX. My own investigation of this lender suggests that this lender either does not exist or can not be contacted, which I believe violates my rights as a borrower. As a direct result of my previous complaint with the CFPB ( # XXXX ), UAS did eventually provide a master promissory note for this loan signed in 2008. However, both the creditor and the lender listed on the master promissory note have since declared bankruptcy. Given that neither the original creditor/lender nor the current lender can be contacted, I have serious concerns that my rights as a borrower are being violated in that I am unable to verify to whom I owe this debt. I am requesting that either UAS provide valid contact information for the lender or that UAS provide documentation that the lender ( XXXX ) is in fact an active organization ( there is no indication that this is currently the case ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX is reporting that someone made a inquiry request on behalf on my name that was not authorized by me. The hit came from XXXX XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX This company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I did not provide any written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS.=Except as provided in paragraph ( XXXX ), the term consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Please delete the above late payments from my consumer report, because this agency is in violation of 15 USC 1681. 


Best regards, XXXX XXXX