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

XX/XX/23 visited XXXX auto sales to see a XXXX XXXXXXXX listed for {$28000.00}, started the application to finance the truck, sign documents and was asked to get insurance and the truck could be picked up Monday XX/XX/23. The truck had a check engine light and was told by XXXX from XXXX it's a small thing, the part has been ordered you'll have to bring back the truck and we will fix it. 
XX/XX/23 purchased insurance and sent it over to the dealer. 
XX/XX/23 arrived at dealer to pick up the truck, was asked to sign some more paperwork to be able to leave with the truck, upon getting in the truck and turning on, the check engine light was still on, I asked to reassure that it will be fixed and was told to bring it back on Thursday XX/XX/23. 
XX/XX/23 returned truck to begin repairs. 
XX/XX/23 picked up truck after being repaired, asked to speak to XXXX XXXX about some of the finance, the contract that we received shows the amount financed XXXX we were told that we should get a call from XXXX when she became available but did not hear from her the rest of the day. 
XX/XX/23 check engine light came back on, contacted the dealer again to inform that the check engine light came back on, XXXX told me to bring the truck back on XX/XX/23 to reassess the situation. 
XX/XX/23 brought the truck back over to get it checked, ask to speak to XXXX XXXX once again since we have not received a call from her, we were told the she was busy and would receive a call from her later, did not receive any call from anyone at the dealer. 
XX/XX/23 arrived at XXXX auto sales to ask to unwind the deal since we were having problems with the truck, was told by XXXX that she would not do this and if she was to take the truck back it would be a reposition and it would hit my credit, every business day there after have ask to unwind or flat cancel the deal, contacted the bank to ask to unwind the deal and been told that XXXX auto sales will not unwind the deal. 
XX/XX/23 still do not have the truck, have asked nicely every time to flat cancel the deal and have been told no every time.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$140.00}
Product: Credit reporting or other personal consumer reports

Incorrect information is being reported by EWS. After reviewing my EWS report, the trial deposits from an external account to XXXX XXXX XXXX XXXX XXXX XXXX  are coded as returned transaction. A complaint was submitted to EWS but the accuracies continue to appear on my report. Below are the dates of the trial deposit transactions XXXX {$.00} XXXX {$.00} XXXX {$.00} XXXX {$.00} XXXX {$.00} XXXX {$.00} Based on the transactions amounts, it's very clear that these are ACH trial deposits
Product: Mortgage

Franklin American Mortgage Company was notified by way of a conference call between me, my insurance agent, and a Franklin American representative that I was dropping my insurance coverage with XXXX and was picking up coverage with XXXX, XXXX XXXX XXXX. That call took place XX/XX/XXXX. My new home hazard coverage began taking place on XX/XX/2017. When Franklin American sent me a notice in the mail that they did n't have any record of my new coverage, I sent all the new insurance information from my declaration page. Two weeks passed. I received notice from XXXX that they had n't received payment from my escrow account and, I was about to be dropped from their coverage. That 's when the nightmare began. I had a week to prove I was covered. I placed multiple phone calls and waited for 30 minutes at a time with each person ( XXXX, XXXX, XXXX ) to be told continually that they had n't received anything in the mail. I had my new insurance agent fax a copy of my coverage on Friday, XXXX XXXX. I called on Monday and Tuesday, XX/XX/XXXX and XX/XX/XXXX and continually got the run around. Eventually Franklin American workers told me that the fax was illegible. I then faxed a PDF myself to the company. I was promised by XXXX that she would call me to tell me whether or not she received it and could read the information. I never received a call. I now had hours left before being dropped from coverage. I am a single mother who is a teacher. I clean houses on the side and tutor students to make extra money. In a panic, I ended up calling XXXX and they told me to avoid being dropped from coverage that I should make a small payment of {$240.00} and then whenever Franklin American finally decided to get their act together, I would be reimbursed. So that is what I did. I did n't have the spare cash. I will not go grocery shopping this week now. I stay updated and on top of things. I did my part and Franklin American failed me continually. Their customer service did n't seem worried about my finances or my coverage being dropped. I felt that certainly, incompetence played a part in this circumstance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used to create accounts or obtain services that I never requested or recieved, these debts are medical in nature and are therefore violations of the HIPPA making me seem unhealthy or sickly unwarranted I decline the requests to do business with the collection companies on my credit reports at XXXX, Equifax, XXXX XXXX and XXXX have them to delete these illegal accounts which are violations of the FCRA and FDCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX which is ( my sons student loan ) reported a XXXX late payment on these 3 dates on all 4 accounts. Which my son was enrolled in school and his loan was in deferment. Somehow there was a computer glitch and we have to pay the price. It is not right. HAVE MADE MULTIPLE ATTEMPTS TO HAVE THIS REMOVED OFF MY CREDIT REPORT WITH NO HELP FROM AGENCIES. They will note it on my report and do nothing else.

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: Checking or savings account

Im with Navy Federal credit Union and I had multiple overdrafts majority of the time after sending money over to XXXX XXXX  causing me to get an overdraft even after paying bills XX/XX/XXXX, XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. but I cant go back any further
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX 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 or other personal consumer reports

Notice of Agent : XXXX, XXXX, Transunion I am writing to express my serious concern and frustration regarding unauthorized information that has been added to my credit report by your agency. According to the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report, and I expect that my credit report is a fair representation of my financial history. Unfortunately, recent changes to my credit report have raised significant issues that need to be addressed promptly and every hard inquiry needs to be removed. they are in non compliance of this code, I did not authorize with my physical signature any of those inquires to be added to my report. 

15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code
Product: Credit reporting, credit repair services, or other personal consumer reports

Ask company to investigate account to make sure is everything 100 % accurate and correct according to FCRA. Company is still reporting inaccurate information harming my credit. 
Account name : XXXX Account number : ( experian ) XXXX XXXX XXXX XXXX XXXX Is this the same account? 

1, In XXXX, XXXX Experian reported ok ( paid ), but in XXXX XXXX  XXXX reported the date of XXXX delinquency. Which bureau is 100 % accurate? 

2. In XXXX XXXX Experian reported ok ( paid ), but in XXXXXXXX XXXX XXXX reported 30 days late. Which bureau XXXX % accurate? 

3. In XXXX XXXX XXXX XXXX XXXX Experian reported paid ( ok ), but XXXX reported in XXXXXXXX XXXX  was the last payment made. Which bureau is 100 % accurate?
Product: Money transfer, virtual currency, or money service

I want all monies that was reported to be refunded
Product: Credit card

Basically XXXX going through identity theft and fraud. When I tried logging into my bank account and credit card account, I couldnt. By the time I was finally able to get back into my accounts I froze them and froze my credit file. My capital one accounts were both restricted when I received a random email on XX/XX/year> stating to verify a payment? When I logged in I saw multiple purchases without my consent and also XXXX new bank accounts added as if someone was using my cards for themselves. I called capital one that night on XX/XX/year> saying those accounts arent associated with me. When I tried calling capital one again on XX/XX/year> about the fraud and identity theft they said I needed a bank statement from the bank thats linked to confirm payments which isnt even mine! I tried saying I was a victim of fraud but they wouldnt allow anything to happen unless I gave them a bank statement from a bank that I dont own! So hence why XXXX here now and asking to escalate this case for me and allow my accounts to be returned and reimbursed if possible. In total I think there are about XXXX in fraud purchases plus XXXX random bank accounts which arent mine so please please help me. When I also called my bank about my fraud happening they told me they were new devices signing in proving my point!
Product: Mortgage

Bank of America collected but didn't pay supplemental tax, which result in delinquent penalty. 

I purchased home around 6 months ago. Bank of America setup escrow account to pay tax & insurance, they collected the amount of money which is enough to cover tax for new assessed value.

I received the two bills ( standard & supplemental ), the standard one for previous assessed value, supplemental one for diff between previous & re-assessed value. I confirmed with lender that bank of America will cover my bill. However, months later I received notice telling me my supplemental tax is delinquent and subject to 10 % penalty, which is around 400. 

I reached out to BOA again, they told me they are not responsible for supplemental tax. 

They shouldn't collect supplemental tax in escrow account if they are not responsible for paying that. If they do, they should pay for that, or at least warn home owners
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt on my credit that is not mine. Tried calling company and they said they would check it out. It is still in there. It's been a year.
Product: Debt collection

I am writing in regards to my son 's account, XXXX,, Account # XXXX. I am disputing this past due balance associated with XXXX for the amount of {$190.00}. I contacted the original creditor and they are unable to verify if they sent me an invoice for the amount due prior to sending this account to collections. In addition, they are unable to verify if the insurance was billed for said charges. I need the account turned back to the original creditor so they can bill my insurance correctly. We have a primary insurance & a secondary insurance - I should not owe anything since the secondary insurance covers 100 % of the billed charges. The original creditor can not validate if the insurance was ever even billed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redrest for these violations.
Product: Credit card or prepaid card

I believe I do not owe this amount ; I have disputed multiple time to the bureau and the creditor and have not receive any verification of the debt and it's preventing me from getting financed and I want it to be remove immediately.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX  Account # XXXX
Product: Credit card or prepaid card

On X/XX/17 a charge was made on my Bank of America Mastercard in the amount of {$320.00} at XXXX # XXXX in XXXX, OH. Neither of the authorized cardholders on this account ( my wife and myself ) made this charge. I have made repeated attempts by phone and by mail to resolve this issue. Finally, BofA agreed to investigate the issue. A case number XXXX was assigned. They notified me that the card was swiped at the store, therefore the charge was considered legitimate and my claim denied. A sales slip was provided as " evidence ''. I have pointed out repeatedly that we never have been in XXXX, OH, did not make or authorize the purchase, and that the signature on the sales slip was not that of either of the cardholders. Since my last response rejecting their resolution was mailed on XX/XX/XXXX there has been no response. It seems unreasonable that they should be allowed simply to ignore this issue and try to resolve it by stonewalling and not taking into account the substantive details of the dispute by a pro forma response. So far the charge has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AND XXXX HAS VIOLATED MY RIGHTS. 

* 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

* 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

ALSO I HAVE POINTED OUT TO THE CREDIT BUREAUS THAT THERE WERE INACCURACIES IN THE REPORTINGS. DIFFERENT OPENING DATES, ACCOUNT SHOWING ON JUST ONE BUREAU AND NOT THE OTHERS, DIFF OPENING DATES, DIFFERENT DATE OF LAST PAYMENTS. ALSO I HAVE GAVE THE CREDIT BUREAUS SINCE XX/XX/2022 UP UNTIL NOW TO CORRECT THE INCORRECT REPORTING ALONG WITH THE HIPPA VIOLATION ACT.
Product: Consumer Loan

They sent me a bill for excess miles on a lease. According to my agreement of the new lease with XXXX, they were supposed to not charge me for the excess miles. The leasing company was taking care of this. Unfortunately, XXXX never forgave the excess miles charge and I paid it, as I did n't want it on my credit report. Apparently, it went to my credit report anyways.
Product: Money transfer, virtual currency, or money service

I stayed at a hotel XXXX XXXX XXXX XXXX XXXX. The hotel charged me {$400.00} security deposit and on XXXX they said they sent the refund. My card says they do not see it but they are having issues with refunds on cards. They said they need me to file dispute after 30 business days
Product: Credit card or prepaid card

I am currently experiencing financial hardship and unable to make my current monthly payments on my Barclays credit card. For weeks, I had been trying to enroll in Barclays longterm hardship program, for which I am qualified for, via their website. With this program, my XXXX would be reduced to 5.9 % and my monthly payments would decrease to {$180.00}. Unfortunately, I received error messages every time I tried to finalize the enrollment. 

I finally called their customer support to get assistance with enrolling on XX/XX/2023. During this phone call, the account manager informed me that I would need to go ahead and pay the {$180.00} at the time of enrollment in order for me to be successfully accepted into the program. Due to the financial hardship I am experiencing, I was unable to pay the {$180.00} on the phone at that moment. The customer service agent informed me that I would be able to go through their website ( as I had been trying to do before ) to enroll once I had the money. She emphasized that I would just need to go ahead and pay the first payment of {$180.00} upfront. 

Later that night, I was able to scrap together the {$180.00} that I was told I needed. I went through the steps on their website to enroll and submitted a payment for {$180.00} specifically for the hardship program ( I did NOT authorize money to be taken from my bank account for a regular payment ). The next day, XX/XX/2023, I saw that the money had been taken out of my account, but there was no proof of enrollment in the hardship program. Upon calling the Barclays customer service line, I was informed that I had not been enrolled in the program and I would need to now pay {$170.00} to enroll. I asked if the {$180.00} I had already paid could be refunded and they refused. The pressed me to pay the additional {$170.00} to enroll via phone. I gave in and scheduled a payment for the {$170.00} payment over the phone. When I asked for proof of enrollment, they were unwilling to give me anything that confirmed I had been enrolled. Instead, they advised that I would receive a letter at an unspecified time. 

Because I was unable to get any confirmation, nor had I gotten a refund for the {$180.00} I had already paid, I canceled all scheduled payments. I am now working with my bank to dispute the {$180.00} that I did not authorize for payment outside of the hardship program. 

I am unsure what to do next as I am now still not enrolled in the hardship program. The longer I am without the program, the closer my account gets to being considered delinquent. I am trying my best to avoid this but Barclays is refusing to work with me, despite me being qualified for the program. 

I am needing assistance getting enrolled in their hardship program and being refunded the {$180.00} I paid under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

They keep sending me letters with my name spelled incorrectly they keep spelling XXXX XXXX XXXX XXXX and my name XXXX XXXX XXXX XXXX ( not XXXX ) please fix that immediately and i told them to delete every address thatt dont belong to me and they still havent, i never lived in none of the address below please delete which is XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX, texas XXXX and XXXX XXXX XXXX XXXX XXXX tx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I look over my credit report Experian its reporting closed account for XXXX account XXXX is reporting open account, I know both could not be right I sent both of the companies a letter for Disputes they both sent back saying they are Accurate, I read under the Fair credit reporting Act theses Agencies must report 100 % accuracy On your credit report They are not in compliance to the federal law Now I am asking for deletion of my credit report profile
Product: Mortgage

I can not pay my mortgage for the month of XXXX and XXXX due to both myself and my wife have lost our jobs in New Jersey Covid19 pandemic. I called Selene Finance to ask for a deferral for 3 months until I can get back to work after the dates shutdown ends. They responded that they dont do deferrals only offered me a repayment plan which I could never afford to pay the regular payment of XXXXand additional XXXX per month.
Product: Credit card or prepaid card

Ok, about 10 days ago, I complained to XXXX about how a rep of theirs on Sunday XX/XX/XXXX told me the Interest charge for XX/XX/XXXX would be removed and it would reflect in my account within 24-48 hours.  As of today, this still has not occurred.  Add in the fact that 3 separate reps told me this was under investigation.  Then today, I checked AGAIN, as nothing has occurred, and I was transfered to a manager.  In our chat, this was the response I got (From a cut and paste by me)  "XXXX - Supervisor: Thank you for your patience. I have reviewed all notes on the account and several responses were already made as well, which were mailed to you regarding your request. I don't want to provide any false expectations regarding your concern. We have yet to see any proof of the possible error made and/or promised to you on this account, thus, no credits had been applied for the interest charge waivers you requested. There's also no notes of an escalation, I'm sorry."  THIS IS WRONG!  Why can't they get their notes straight?  Not only was I promised this XX/XX/XXXX interest charge, I was also promised another $XXXX for the XX/XX/XXXX interest?   Now I get this line over and over?  I also got this response from the email online message system on XX/XX/XXXX-XX/XX/XXXX XXXXSynchrony BankXXXX XXXX Credit Card Billing InquiriesThank you for your recent inquiry regarding your XXXX account, and the opportunity to be of service to you. Due to the nature of your inquiry, we have escalated your request to our corporate office for handling. You should expect to receive a written response within 7 to 14 business days. We appreciate you as a valued XXXX customer and hope you will continue to shop with us.  If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at the toll-free number below. Sincerely,  XXXX XXXXCustomer ServiceXXXX