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

BMW Financial gave me a deadline of XX/XX/XXXX to pay the balance owed to bring my car loan current and I would be able to get my car back. XX/XX/XXXX was a Friday and when I called their office was closed, even though it was not a holiday and I wasnt made aware. I called the following Monday morning and was rudely told that the deadline has passed. I asked to speak to a manager and she was very rude and condescending and she said will make a note on file and will check with legal and asked to call back next morning. I called Tuesday morning and they told me no exceptions. The car will be sold at auction and you will owe the difference. I am going through a divorce and have accounts locked up. I have been a good client of BMW for 40 years. Help, as this is a timely issue before car goes to auction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7700.00}. Please delete.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, around XXXXXXXX XXXX  a man approached me in XXXX asking for donations for his brother 's funeral ( he said his one-year-old brother was killed in XXXX XXXX the day before during a XXXX XXXXXXXX XXXX. I agreed to make a donation ( thinking {$10.00} ). I oered cash, but he said he only would accept XXXX or XXXX. I asked for his XXXX username, but he asked for my phone to type it in. I handed him my phone, and in the next few seconds sent himself money from my account then gave the phone back to me as if he had simply searched the username and was allowing me to put in my own amount. Then he left. I had a suspicion of what he'd done, so I checked my account history before sending him any more money. Of course, then I found he'd sent himself {$100.00} with a memo for " rent. '' I immediately chatted to XXXX  support and reported the issue. They mentioned they would escalate to the Account Specialists team and might reach out to local law enforcement, but would not be able to provide me any updates if I reached out again and could not refund my money since it was made instantly available to the receiver. 

I have filed a police report with the XXXX Police Department.
Product: Checking or savings account

My account is restricted. I have no access to funds. No one from customer service can tell me why it is restricted. I disputed a charge through Robinhood over a month ago because I never received a package and the merchant that sent the package did not follow up. However, I received an email on XX/XX/24 at XXXX from Robinhood wanting to follow up on my dispute. Ten minutes later I received another email from Robinhood saying my account is now restricted. I did not see any emails until I tried to pay a bill later that evening and realized my card was denied due to a restriction. I have no money, no food, no way to live and I have to pay rent in the next few days. Customer service from Robinhood has been unhelpful. I can understand if they only want to place on hold the disputed amount but to restrict my account entirely is unjustified and unethical. Customer service could not give me a reason as to why the account is restricted. I am only assuming the reason for the restriction based on two emails I received from them.
Product: Credit card or prepaid card

I have a Capitol One credit card On XX/XX/XXXX i got sick and spend a few days out of work two weeks after i was told that i needed to have XXXX i spend to months at home after the XXXX and receive a short term XXXX check which was less that the haft of my paycheck I wasn't able to make my payments on time only my utilities bills was cover. 
XX/XX/XXXX i was able to go back to work and started pay off my late bill and got all up to date my balance is XXXX I check my report and i saw how much this ad affected my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX XX/XX/XXXX, {$4500.00} I am writing to formally request the removal of inaccurate information reported by your company to the consumer reporting agencies. On XX/XX/XXXX, I requested verification of a debt and its accuracy. By the date of XX/XX/XXXX, your company verified it. I believe this information is incorrect and has negatively impacted my credit report, affecting my character, reputation, and livelihood. 

According to 15 U.S. Code 1681s-2, as a furnisher of information, you are legally obligated to ensure the accuracy of information provided to consumer reporting agencies. The reported charge-off, according to IRS guidelines XXXX is considered income, not a debt, and should not appear on a consumer report. 

The IRS defines a charge-off as income, which is not to be reported on credit reports. Therefore, the current reporting is inaccurate. Furthermore, the IRS requires a 1099-C form for cancelled debts over {$600.00}, which I have not received. 

By law, you can not furnish information you know or have reasonable cause to believe is inaccurate. I demand that you cease reporting this inaccurate information immediately and remove it from my credit report. 

Please consider this letter as formal notice of the inaccuracies, and I request that you address and rectify this matter promptly. You have 10 calendar days to remove this entry from my credit report. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

My charged off vehicle was repossessed after making my payment 7days late due to financial hardship. Though I was given a written agreement of a monthly payment of {$400.00} on the 15th with no grace period for late payments I was told by a Bridgecrest rep by phone that I can still redeem my vehicle if I make my monthly payment and pay the repo fee of {$350.00}. 

Bridgecrest accepted my Monthly XXXX payment totaling of {$490.00} on XX/XX/23. 
I called back after borrowing money to pay the repo fee but the company was closed over the weekend so I had to wait til Monday to pay the repo fee. 

When I called to pay the repo fee and redeem my vehicle I was told by a bridgecrest representative that I had to now pay {$560.00} because I now have a bi-weekly payment and it was due on the XXXX of XXXX. I was not informed of these changes made, When I asked was I on bi-weekly now after they took my monthly payment and the written agreement was monthly, I was told because I defaulted by paying late, they changed it back to bi-weekly payments. 

the company has violated the contract agreement and given false information because even on my original contract agreement before charge off the bi-weekly payments dates are not set for the XXXX. The company has made It financially difficult to get my vehicle back by charging twice ( a set monthly payment {$400.00} ) ( and a bi-weekly payment ) both for the month of XXXX in order to get my vehicle back. 

I was not notified of these changes the company has violated XXXX code by giving False, deceptive, or misleading representations or means. 

I was told by another bridgecrest representative that the monthly agreement was of no effect after the fifteen but yet they took my monthly payment for XXXX and charged me bi-weekly payments on top of that for the month of XXXX plus additional fees in just XXXX weeks of repoing my vehicle totaling in the amount of {$1200.00}. 

the company has put my car up for auction without giving me any written notice, I updated my address months ago by phone and even confirmed again my information and the company has not sent me any notices but lied and said they sent out notices on XX/XX/XXXX that the vehicle was sent to auction. 

When I called by phone to make my payment on the XXXX I was told by phone my vehicle was not in auction nor was there a key made and I was given a quote of {$350.00} after paying my monthly cost of {$490.00} to get the vehicle back. 

This company has financially oppressed me and robbed me and auctioning off my vehicle even after receiving my monthly payment for the month of XXXX, I was told I still owe a debt and have to pay regardless or I can't get my vehicle back.
Product: Student loan

My insterest rates are so high that I ca n't cover XXXX payment because that XXXX payment is more than XXXX of my paychecks and I only get paid twice a month. I called navient and they do n't want to help me or hear it. I have called them so many times now and ca n't get anywhere. I literally feel at a loss because I do n't know how I 'm going to actually live have to make over a XXXX dollars in XXXX payment. They refuse to decrease the monthly payment. They even told me I do n't qualify for an income based repayment plan.
Product: Checking or savings account

I called SunTrust to close my checking account as I moved and the closest SunTrust is over 3 hours away. They refused to close my checking account over the phone. They said that because it had more than {$100.00} dollars there was some kind of security confirmation and they asked for my phone number. Then they said even though the number matched the one on my account and they could see it was the phone I was calling them from that it didn't pass their " third party verification '' test. My cell phone plan is in my wife 's name so apparently that fails the test despite the fact that she is also on the checking account. I told them to just close it and send a check to the name and address registered on the account that's been the same for more than a year. They refused. I asked them to do their extra security verification in any other way since their " third party '' cell phone number verification was not working. They refused. I got a manager on the phone and she also refused to close my account. They stated that I would need to withdrawal all the money so that the balance was under {$100.00} dollars or they wouldn't close it. There is a {$3000.00} min balance on my account so doing that would likely result in generating a fee, but they didn't care. The manager told me the only way to avoid the fee would be to change my account type, but the new account type came with a $ XXXX monthly fee. She said if I hurried then I could remove the money and close the account to avoid the fee. This is very unacceptable in my opinion. No bank should be able to refuse to close an account in good standing and proceed to make the customer jump through hoops to hopefully get it closed and avoid fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, Refer to complaint # XXXX - I requested XXXX  XXXX  to provide me with the validation of debt Ietter that is required by law, section 809 ( a ) of the Fair Debt Colletion Protection Act. Section 809 ( a ) of the FDCPA requires that within five days after the initial communication with the consumer in connection with the collection of any debt, a debt collector must send a written validation notice unless the information is contained in the initial communication or the consumer has paid the debt. XXXX did not communicate with me through mail do to the fact the address they have on the validation of debt document is not my address and the address IS NOT on my credit reports. I request a reinvestigation of XXXX XXXX. XXXX  XXXX  state that they mailed me a validation of debt letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The address that XXXX XXXX has on the document is NOT on my credit reports. I have attached the letter XXXX XXXX sent to the Consumer Financial Protection Bureau as evidence. I have downloaded the document and will keep a printed copy. XXXX  XXXX  have violated the laws 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code 1692c - Communication in connection with debt collection - I have asked XXXX  to cease communication with me, but they keep sending me documents. If Transunion XXXX  XXXX continue to report this inaccurate information they are breaking these Fair credit reporting act laws.1681. Congressional findings and statement of purpose,1681b. Permissible purposes of consumer reports,15 U.S. Code 1681c - Requirements relating to information contained in consumer reports,1681d. Disclosure of investigative consumer reports 1681e. Compliance procedures,1681g. Disclosures to consumers 1681h. Conditions and form of disclosure to consumers 1681i. Procedure in case of disputed accuracy,1681m. Requirements on users of consumer reports. I HAVE ATTACHED THE XXXX  XXXX  DOCUMENT SHOWING THE ADDRESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Credit card

Harassing phone calls. I have never missed a payment but recently had XXXX surgery which requires months of recovery. I called them to explain my situation and since then I received phone calls constantly on my cell phone everyday. When asked to please stop calling, they said we ca n't because you 're on an automated call system. It took talking to XXXX reps. before XXXX of them agreed to take my number off. 
Since then they call my home phone at least XXXX times a day until I answer. This has become harassment now. I am at home trying to recover from my surgery and they just wo n't stop calling.
Product: Debt collection

I was a victim of identity theft with XXXX XXXX in XX/XX/XXXX. I contacted the XXXX XXXX fraud department immediately and notified them. In XX/XX/XXXX, I contacted XXXX.The charges were taken off my credit report. 
In XX/XX/XXXX, I received notices from Jefferson Capital Systems LLC, stating they overseeing the XXXX account and now there is a charge of {$4300.00} on my credit report. 
On XX/XX/XXXX, I wrote XXXX to dispute the claim. On XX/XX/XXXX, XXXX said that their investigation concluded that the charges were accurate. I take exception to that ruling.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I'm filling this complaint because my Consumer Rights are violated. I have made this credit reporting agency aware of these violations. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) have 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 an account without my written instructions.

Thanks in advance for your assistance in this manner.
Product: Checking or savings account

I deposited a USPS money order in the amount of {$440.00} at a Bank of America ATM in XXXX XXXX on XX/XX/year>. I received a notice after that it was subject to a Deposit Hold until XX/XX/year> at XXXX XXXX 

Reg CC is very clear that banks must make USPS money orders available the next business day for an in-person deposit or the second business day if deposited at an ATM owned by the bank. That's what I did, so it should have been available today, XX/XX/year>. None of the exceptions listed in the rules apply here. 

I called Bank of America 's customer service and they wouldn't release the hold, nor tell me why it was in place, other than " It's our policy to hold money orders and checks to verify funds. '' I told the supervisor to whom I asked to speak that the law requires cashier 's checks under certain circumstances and postal service money orders to be treated differently, and he said they don't. I was astonished that he'd admit to me that they break the law.

I finally asked to speak to the legal department, as I'm an XXXX, and they would not talk to me. 

Finally, as you can see in the attachments, the money order has cleared, so they have no basis for holding the deposit, as the possibility of collectibility isn't an issue here.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681 ( b ) 2 this is my statement that all of the account inquiries have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These account inquiries are not related to any transactions made by me, the consumer. 

Please remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion File number : XXXX Date issue XX/XX/XXXX XXXX claims I owe them {$450.00}, I am not told what I owe for. They claim the insolvency is less then 2 years old. I have been a customer of XXXX since XXXX and before that I was a customer of XXXX XXXX XXXX. I have asked Transunion to open an investigation. They said the charges were valid and less then 2 yrs old. I asked them if they show any proof and the reply was no they just sent a statement. So I asked them to open another investigation and to please ask XXXX how my phone number under XXXX service can be under their services ( which I have neither solicited nor agreed to ), The second investigation came back with the exact same result as the first one. I could pay it to make it go away ( I hear friends ended up doing so ) but it is morally wrong. I feel like I have been blackmailed. I was unemployed and have worked hard to repair my credit and Transunion seem set not to allow my credit to go over the XXXX mark
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance {$37000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not supposed to be reporting according to FERPA. This is what I supposed to be going by according to this law/regulation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 the department of education wrote a letter to XXXX XXXX of there finding and there accreditation was lost .A as of XX/XX/2016 the school was closed. Loans were placed in my name without my knowledge I was mislead about graduation rates, job placement, student refund checks were never issued. Individuals financial aid office clearly took advantage of me as well of other students here ...
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries are on my report that resulted from identity theft. I have notified TransUnion and provided my identity theft report but the inquiries are still on my report.
Product: Checking or savings account

Dear Sir/Madam, I am writing to formally submit a complaint against HSBC regarding the unjust closure of my accounts. HSBC has closed my accounts without providing a clear or legitimate reason and referenced terms in a hyperlink-controlled document that was neither reasonably presented nor clearly disclosed at the time of account opening. This situation has caused significant financial harm and raises serious concerns under U.S. consumer protection laws.

Details of the Issue : Bank : HSBC Bank USA XXXX. 
Account Types : personal savings, checking, investment, credit cards Date of Closure Notification : XX/XX/year> Reason Provided by HSBC : HSBC has consistently refused to provide any specific reason for the account closure, stating that they reserve the right to close accounts at their discretion, as indicated in a hyperlink attached to the original contract. This clause was not adequately disclosed or highlighted when I opened the account. 

Relevant Legal Concerns : 1. Lack of Clear Contractual Terms : HSBC has indicated that the right to close accounts without reason is detailed in a hyperlink found in the online version of their terms and conditions. This clause was not adequately disclosed or highlighted when I opened the account. According to 12 U.S. Code 5531 ( Unfair, deceptive, or abusive acts or practices ), it is unlawful for financial institutions to engage in unfair or deceptive practices, including burying significant contractual terms in hyperlinks that are subject to unilateral modifications by the bank without proper disclosure or customer consent.

2. Unfair and Unreasonable Contract Terms : The clause HSBC refers to effectively allows them to close accounts without explanation, and because the clause was hidden in a hyperlink-controlled document, which can be modified at their discretion, it denies customers the opportunity for informed consent. This violates the principle of fairness under the Truth in Savings Act ( 12 U.S. Code 4302 ), which requires that all terms of a banking contract be clearly and conspicuously disclosed at the time of account opening. The failure to provide a clear, stable, and unmodifiable contract term undermines my ability to make informed decisions and contradicts federal regulations mandating transparency. 

Impact on Me : I have lost access to my funds and accounts without any clear reason or warning, significantly disrupting my personal finances and business activities. 
HSBCs refusal to explain their decision prevents me from addressing or rectifying any potential issues. 
The lack of transparency and fairness in their contractual terms has eroded my trust in their services and damaged my financial standing, possibly affecting my ability to open accounts elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.