23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

On XXXX the XXXX I contacted my auto finance company about a car payment I had just made online, so that they would be able to enable my vehicle. I spoke with a lady who looked up the payment and saw that the payment had been made and transferred me to XXXX XXXX. When he got on the phone he stated I was 41 days past due and owed XXXX plus dollars, yet I reassured him that I just made a payment of XXXX and would be making another payment XXXX XXXX for the remainder of the balance. He began yelling stating that the check that was written had probably bounced and that I needed to clean my car out and surrender it. I asked him could he speak in a professional tone, he said he did n't need to. He than stated he was tired of me and that he was just going to take my car. I then put my brother on the phone and authorized permission for him to speak with my brother. He then got loud with my brother and began using profanity, when he asked for a supervisor he said he would n't give us XXXX and to clean the car out. When I called back he got back on the phone and stated that he was coming to get my car. He has sent a series of emails, that are unprofessional and bullying. 
You promised a payment on the XXXX, and you failed to do so or even call ... ... ... ... ... ... .... your account will be past due over XXXX on the XXXX ... ... ... ... ... ... ... ... ... ... .... if you fail to pay ... ... ... PLEASE BE ADVISED IF THIS HAPPENS, I WILL NOT HESITATE TO REPOSSESS YOUR CAR ... ... ... ... ... I WILL ASK YOU XXXX XXXX TO GIVE IT TO ME THEN I WILL TAKE IT, IF YOU DONT XXXX XXXX XXXX XXXX If you want to keep this car, I suggest you call me ... ... your contract does not allow for partial payments, unless they are approved by this office ... ... ... ... ... ..You car is on a nationwide recovery list with a XXXX disposition request attached, meaning it will be seized on site ... ... ... ... ... ... ... I am willing to work with you, but my patience on accounts that are XXXX plus days past due is very limited ... ... ... ... ... ... ... ... ... you have a choice to make, I hope you make the right XXXX wd YOU ARE XXXX PAST DUE ... ... ... ... ... ... ... .. I HAVE ASKED YOU A NUMBER OF TIMES TO SURRENDER THE CAR ... ... YOU ACT LIKE YOU DO N'T UNDERSTAND ... ... ... ... ... ... .. IF YOU ARE CONFUSED ... ... .PLEASE CALL XXXX XXXX XXXX AND I WILL TRY TO HELP YOU XXXX XXXX Prizm Financial XXXX ext XXXX Prizm Financial Co. LLC is a debt collector. Any information obtained will be used for that purpose. 
This is to inform you that if I do not hear you by XXXX on Monday the XXXX of XXXX, your car will be XXXX until such time that I do ... ... ... ... ... ... ... ... consider yourself warned XXXX XXXX Prizm Financial XXXX ext XXXX Prizm Financial Co. LLC is a debt collector. Any information obtained will be used for that purpose.
Product: Credit card or prepaid card

CareCredit/Syncrony Bank close my account, without notice, after wrongly accusing me of missing XXXX payment and starting the patient was returned. They said they never received a patient from me in the amount of {$190.00} that was scheduled on XX/XX/31 and cleared XXXX. I have provided confirmation as well as their own payment confirmation I received when I scheduled the payment to confirm processing. Now, I am supposed to have XXXXXXXX XXXX, using this account and will not be able to, after many attempts to get my account opened back up, fix my credit report and have my procedure for my health and well-being, after their mistake, and they are not responding, saying it may take 60-90 days, which considering they have had that payment and should have never closed my account, this is a huge issue!!! Canceling this XXXX will cost me over a {$1000.00} this needs urgent attention!!!!
Product: Student loan

Between the years of XX/XX/XXXX and XX/XX/XXXX, the college I attended ( XXXX  University ) offered a direct private student loan to bridge the tuition gap that my Federal Student Loans did not cover. After XXXX  in XX/XX/XXXX, I was suprised when I received a letter in the mail that the private student loan portion was due immediately, instead of the usual 6 months until AFTER XXXX. I was unable to pay as I was unemployed for nearly a year after XXXX. By the time I eventually did get employement and had the ability to pay, it was too late - the school had sold the debt to a third party collection agency, damaging my credit. The main problem is I have received minimal to NO communication from this third party collection agency other than a single notice in the mail that the entire balance was due. I reached out to my school directly if I could come to an agreement with them, but they simply told me there is nothing else they can do and I have to deal now with the third party collector instead. Now I don't know who currently owns this private student loan debt as I have not received any communication on it for almost 2 years and don't know who to reach out to, and the school offers no additional help. This account is still on my credit report as a derogatory and has prevented me from being able to request any kind of credit, even things as simple as a credit line increase, much less a loan for a dependable car.
Product: Checking or savings account

Citi Bank received multiple request to revoke authorization for XXXX XXXX. They continued to allow XXXX XXXX to hit my account. While no funds where paid out to XXXX XXXX they continued to charge me overdraft fees causing my account to go negative. I do not use this account and could not close it as it was opened as a minor with my father who is now in XXXX. After being negative they closed my account. I just noticed it as I went to see if my stimulus check was deposited into this account and could not access it. They took my money continued to charge me fees when the the authorization was revoked and when I called customer service could not help because the account was closed.
Product: Credit card or prepaid card

Discover Card has been charging me outrageous interest rates for the last 3 years. I always make my payment and my bill never goes down, ever.
Product: Debt or credit management

It been a while but I moved around a lot to keep up with dates XXXX XXXX
Product: Vehicle loan or lease

At the time I purchased my XXXX, I was n't aware that I had identity theft committed on me. In XXXX XXXX my payoff was {$14000.00}, Interest of {$89.00} and monthly payments of {$350.00} for 72 months. When I was made aware and had investigations done which proved I was no liable for any of the delinquents on my credit, I contacted Santander when I was told by FTC and IRS, and other credit card companies to contact my car loan and explain to them that fraud was committed at the time they had ran my credit because the credit they ran was not the factual number but based on many delinquents which caused a 20.4 % interest rate on my loan. I was told by two " managers '' they would definitely re-run my credit and I would be retro 'd back. I called again, and got someone who told me whoever told me that, lied and they do n't offer those. I explained my fraud situation, sent them a police report, ftc affidavit, and still nothing. I called again around XXXX, explained that my interest now is up to {$270.00} and a 15 months later, I owe them {$14000.00} and how is that possible when my payments are {$350.00} after paying them to date {$5300.00}. My current ESTIMATED payoff amount as of XXXX XXXX is {$13000.00}. This means {$820.00} was applied to my principal of my original balance due and {$4400.00} was accrued for interest. The gentleman then told me nothing he can do and hung up. I recently received a 90 day delinquent on my car which I was never 90 days late. It made my finally cleaned credit from the initial fraud go down over 100pts. I put a dispute in to XXXX and just today received a Ceased and Desist letter from Santander stating they have put in my request to not be contacted ( I never put in a request to not contact me ) and that they have the right to come and repo my car. This got me nervous especially with the recent District Law Suits going on in Delaware and other states with fraud charges on interest as well as people 's car 's being repo 'd even when they were n't late with payments. I am so upset that It took me an entire year to clear up the fraud that the CFPB has helped me so much with those credit card complaints I had put in that I am seriously hoping you can help me in this situation. I am a victim again of false fee charges. I will never pay this car off considering after 15 months, I only paid {$820.00} and the rest in fees. Please help me! I have XXXX kids, I am going through a divorce, my soon ex committed fraud and I was cleared from it and now my credit is ruined again because of Santander and they are really doing shady activity especially with this Cease letter I got that I never stated to them not to contact me. Ironically too, I am locked out of my online Santander account and can not reset my password. This is absolute awful consumer service on what they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested numerous times that and a XXXX be removed form my account. It is illegally there as I was never billed for These services and my information was obtained illegally.
Product: Vehicle loan or lease

I am requesting assistance in removing a negative tradeline from my three major credit bureau reports from Carmax Auto Finance. In XX/XX/XXXX I was a cosigner on a vehicle purchased by my then wife. We separated in XX/XX/XXXX and she was awarded the vehicle in the settlement. I retained no ownership and no longer had access to the vehicle or any accounts related to it. In XX/XX/XXXX I attempted to purchase my own vehicle only to be denied and to learn that the reason was because the Carmax loan had been paid 30-60 days late many times over the last few years and was currently 30 days late as well. Upon learning this, I contacted Carmax and discovered that I had never been removed from the account after the settlement awarding the vehicle to my wife. I requested to be removed, but they stated that they could n't do that while the account was still open. I immediately paid off the loan myself in order to resolve the issue. Once it was closed, I again requested to be removed, but was then told that it was not possible as the account was already closed. I then requested that the negative tradeline be removed from my reports as I was not the owner of vehicle, nor was I ever made aware that the payments were n't being made on time. Carmax stated that it is not their policy to remove items from credit reports. I have made this request several times, as recently as XX/XX/XXXX as the negative reporting continues to cripple my own credit even though I do not own the vehicle. I am submitting this complaint under the Fair Credit Reporting Act which requires that before any negative items are placed on a consumer credit report, the creditor must notify the consumer. I never received any phone calls or letters or any correspondence from CarMax regarding this account. I was never informed that it was late, nor that any negative items would be put on my report. Carmax states that they sent correspondence to the primary account owner as is their policy. I am not the primary account holder, so no correspondence was sent to me. All I am asking is for the tradeline to be removed from my credit reports. The FCRA does not require tradelines be reported so removal is certainly allowable and very common. The purpose of accurate credit reporting is so that a true representation of a consumor 's credit worthiness is available to potential creditors. This tradeline is not a fair representation of my creditworthiness as the account is not mine, and I was never made aware of issues or given an opportunity to prevent delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 at XXXX hours I called the company about misinformation being report inaccurately. Also, taxing on late fees and interest when I wasnt late and on plan to not have interest. I was told it be resolved in XXXX days however it was not. I call every XXXX days and nothing changes even though I am continuing to pay the minimum amount.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & creating unwanted XXXX XXXX XXXX XXXX XXXX. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am unable to connect my PNC bank account to my XXXX  account. I would like to use XXXX  but the only way I can do so is if PNC bank will allow the connection of my account to XXXX.
Product: Bank account or service

We have been charged over {$2000.00} in bank fees from Wells Fargo Bank due to our business checking account in XXXX, over {$750.00} in XXXX for many instances that are n't making sense to me. An account will show a positive balance and more than needed to make a purchase, the following day will be debited over - $ 1- {$25.00} ad multiple bank fees causing the negative balance. I have called Wells Fargo Bank 800 # several times once I could n't get cooperation from the branch level. I have yet to receive any cooperation at either level and most recently still have n't received any movement forward with a call back from a manager level as I 've requested. 

Also, in XXXX, realizing they opened a checking and savings account without our permission and additional check/debit cards, I placed a complaint with the banking branch manager. The savings account debits resulted in multiple bank fees.
Product: Credit card or prepaid card

On XX/XX/XXXX I upgraded my XXXX XXXX American Express card to the XXXX XXXX American Express card. The reason I upgraded was to participate in their promotional upgrade offer, specifically : " When you upgrade, your new Card will have a promotional annual fee of {$0.00} for one year. " I printed this out for my records, copy attached, and then upgraded. On XX/XX/XXXX I went online to check my account and was horrified to see that Amex was planning on charging me a {$450.00} annual fee on XX/XX/XXXX. I chatted with an Amex agent on XX/XX/XXXX ( chat copy attached ) who indicated I wasn't eligible for the promotion. I found this peculiar, as my account had obviously been eligible for the upgrade promotion the day before. The agent offered to start an 'investigation ' but warned me it could take up to 8 weeks to conclude, which would put me at dire risk of incurring the {$450.00} fee prior to conclusion of their 'investigation ' which was obviously a non-starter. I am a big fan of American Express, and am writing in order that they refrain from rolling out promotions that some might consider bait and switch, at best. Hopefully my experience might prevent others from suffering the same treatment from Amex.
Product: Credit card or prepaid card

In XX/XX/2017, I opened a secured ( XXXX ) credit card account with a credit limit in the amount of {$1000.00}. On XX/XX/XXXX, Region 's approved a transaction in the amount of {$1300.00} to XXXX  Car Rental. This transaction should've been declined as it clearly exceeded my credit limit & I did not owe this amount to the merchant. The merchant contacted me on XX/XX/XXXX at XXXX XXXX and advised that I had a balance due of {$270.00}. XXXX Manager, XXXX XXXX, had no right to steal these funds from my account on XX/XX/XXXX. Region 's was aware that multiple irregular transactions had been entered on XX/XX/XXXX by this same merchant & subsequently had to flag my account as a result, so Region 's should've declined this questionable transaction on XX/XX/XXXX. I have a stellar payment history with Region 's & Region 's failed to protect me from financial recklessness on behalf of this merchant, ( XXXX  ). I have never at any time authorized Region 's to pay for services that exceed my available credit limit. Approval of transactions that exceed a customer 's credit limit, against the customer 's wishes should be illegal, what is the point of having a credit limit if that amount can be involuntarily exceeded? This illegal transaction impacted my credit report & score.
Product: Debt collection

Enhanced Recovery Company LLC at XXXX XXXX XXXX XXXX, FLXXXX Has been sending me collection notices in the amount of {$2500.00}. The collection has been reported as a past due balance. I dont know this company. I have never done business with this company. This company does not have contact with my signature. 

I have not supplied no proof under the doctrine by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX XXXX, I presume that no proof alleged debt, nor therefore any such debt, in fact exist.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof. These are the accounts Ive marked as inaccurate XXXX XXXX {$110.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$620.00} XXXX XXXX {$950.00} XXXX XXXX XXXX {$1100.00}
Product: Debt collection

AFNI is attempting an alleged debt that I have No Knowledge of and I never received a written notice regarding this debt. Pursuant to the FCRA the FDCPA and the XXXX as a consumer I feel that my rights were violated because this agency place this derogatory information on my report without due process. The alleged amount is : $ XXXXThe Original Creditor is : XXXX  As a consumer I should have been given the right pursuant to federal law to receive notice of this matter and the right to request validation of this debt. This never happened and this firm is in violation of the law
Product: Credit card or prepaid card

XX/XX/XXXX, I opened up a checking and savings account at Wells Fargo. I also got a secured credit card of {$500.00}. The Wells Fargo representative told me that he was trying to help me build my credit score and if I paid on time my account will be reviewed every XXXX months and my balance would be increased. They never reported my payments over a five-year period and which according to Wells Fargo I was late three times by XXXX hours over a 5 years period. I repeatedly requested assistance and answers as to why I was not having my limit increased as I met all the requirements that was presented to me by the representative with no resolve. I finally closed the account XX/XX/XXXX. The representative and Wells Fargo simply lied and did nothing but take my money little by little with unjustified fees. They literally just took advantage of me at a time I was trying to better my life.
Product: Student loan

Sallie Mae / Navient is my servicer. 

I was pushed into using my forbarence and other repayment options up front causing me to collect interest and fees while on the programs. 

I wasn't explained to that this was IT. I can never miss a payment and I have no options if I get sick or can't find the money. 

Also, I have in the past been harassed by Sallie Mae operators being told what I WILL do or else. I've had them yell at me and threaten my co signer. 

I have asked repeatedly for income based repayments but they don't exist I guess. 

These loans are very difficult to afford every month and now my protections are not available because they pushed me into using them up.
Product: Debt collection

XXXX states I opened an account for a landline in my home but we already had a landline. I asked them to send me papers showing where I had requested this line and they never did, they said someone from my house requested the line. I asked them to remove the incorrect information from my credit report, now they have sold the account to Debt Recovery Solutions. Acct # XXXX. {$98.00} This information is affecting my security clearance with my job and I need proof that I requested this line be installed or I need them to remove it from my credit report.
Product: Checking or savings account

The previous choices in your system are not applicable to what happened to me. I spoke to XXXX in your office today. He provided excellent service & information. This case involves theft from my personal checking account & incompetence by two banks. Three transactions against my personal checking account were made by a person using a fraudulent / counterfeit check ( s ). 1st --  On XX/XX/2019 -- Bank of America cashed/ & /or deposited a check # XXXX - a counterfeit check for {$100.00} ... .identical to a legitimate check # XXXX which posted on XX/XX/2019. Essentially the check # XXXX never existed from my check book ... as my highest checks are XXXX 's ... only. The criminal changed the - " 3 '' in the check number ... .to an - " 8 '' -- Everything else about this  check was identical to the original check # XXXX .... except the - " 3 '' - in the check number was changed to an - " 8 '' - to attempt to  present a new & independent check ... .however this check was indeed a fake check. ~ 2nd ... AGAIN - On XX/XX/2019 -- Bank of America cashed/ & /or deposited a check # XXXX - a counterfeit check for {$100.00} ... identical to a legitimate check # XXXX which posted on XX/XX/2019. Again, the - " 3 '' in the check number was changed to an - " 8 '' ... ..by the person cashing ... & /or depositing check # XXXX - which posted on - XXXX, XXXX, 2019. 3rd -- The same fraud was achieved again with no interruption / detection by Bank of America & /or my bank -- XXXX XXXX . The 3rd check # - XXXX -- was posted on - XX/XX/2019 - for {$100.00} In total 3 checks = {$300.00} stolen from me.
Product: Checking or savings account

XX/XX/year> made deposit of {$11000.00} XX/XX/year> called and checked on why the deposit was not in the account. I was told the money would be in my account in the next hour. 
the money never came in the account called the bank back same day, put me on conference call with the writer of the check. was told the money would be in the account in the next XXXX hours. still not in account after that time. 
XX/XX/year> called again was told there was nothing they could do and they would hold the check until XX/XX/year>. 
finally went to a branch of the bank they fixed the problem and the money was in the account within the day. 
this is only a recap of what I went through. I was lied to several times over.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report this morning, I was alarmed to find inaccurate accounts that I had never seen before. I regularly check my report, and everything was fine until now. To rule out a glitch, I refreshed my browser, but the incorrect accounts were still there. Given this issue, I am asking for a thorough review of the documents I submitted to ensure I never have to deal with this problem again.