23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 I purchased a car from a dealership called XXXX XXXX in XXXX County, Ca. I drove the car home and it never moved again. I tried calling the dealership and left messages and no one would return my calls. I called other local dealerships because now without transportation, I was not able to travel or bring the car in from XXXX County where I live. I phoned other dealerships in the area to find out why no one was answering the phone. They told me there was crime tape around that dealership XXXX XXXX XXXX XXXX and that all the cars on the lot had been confiscated by the police. The police were questioning folks in the are and the Owner, who identified himself to me as XXXX was now a fugitive. I phoned the bank where the loan was originated and they stated that I had already signed the deal and it was too late to do anything except pay the {$460.00} each month. They told me this was necessary to protect my credit. They also told me that once I reached XXXX they would forgive the rest of the loan. I continued to pay my monthly premiums of {$460.00} for years and was never late with a payment because I wanted to protect my credit. When I reached the XXXX, the bank started to avoid me as well. They told me they were under new management and that offer no longer applied. They demanded an additional XXXX and threatened me with collections and damage to my credit. I paid for years so that my credit would not be destroyed, but now this is what I was facing. This is a criminal matter and no one wanted to help me. Based on this, I have been unable to find a place to live, get a job and this scam has literally destroyed my credit rating and my life. Please help me to remove this black mark from all 3 credit bureaus. I paid on time ... never late for years to end up with what I was trying to avoid all along. I really need help.
Product: Credit card or prepaid card

I noticed in XX/XX/2019 that my credit limit was reduced from XXXX to XXXX. There is no reason why. If you check my history with the company I have never been late. On my credit report I don't have any late payments to any creditors. So I am wondering why an adverse action was taken. I have never had a high balance with them never missed a payment etc ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX this account is over seven years old and Synchrony bank still reports this account in my credit report. This account is too old please remove it from my credit report.
Product: Student loan

I received an wage garnishment for debt to U.S. Government, I called Windham Professional at ( XXXX ) which is contracted to collect debt by US Department of Education. I requested to enter a payment plan at which time the rep asked me for contact information. This would include mailing address and a active phone, I told the rep that i did not have a active phone and please contact me via mail. The rep told me should could not offer me any assistance because i did not have a active phone number. I ask the rep to please provide me with written terms that stated a person had to have a active phone to receive help or even a payment plan. The rep could not provide me with requested information so she transferred me to a XXXX XXXX which he also collaborated her statement that i could not received any help or payment plan because I do not have an active phone. XXXX XXXX referred me to The Department of Education to received requested information as it pertain to getting help/payment plan qualification. I spoke with operator XXXX ( XXXX ) @ The Department of Education that stated that the information told me was not incorrect. Windham Professional practice discrimination and unfair business practices against me on XX/XX/2016 around XXXX. I am seeking legal counsel because I feel that my rights have been violated by this company and I want to exercise all my resources to expose their practices toward consumer.
Product: Credit reporting or other personal consumer reports

I have tried to apply for a loan, but they denied it since they indicate that there is a social security number, I currently have an ITIN NUMBER, I do not have an SSN. This is mixed information. I have requested and sent TransUnion and XXXX the evidence and my documents, but they still ignore my request.
Product: Prepaid card

As I knew it would be, in a futile effort to resolve the issue I previously complained about, I contacted them again on XX/XX/2024, @ XXXX, CST. The first call was on hold for XXXX, XXXX before it was disconnected by them. I called back @ XXXX, finally reaching XXXX after pressing '0 ', which by the way, WAS NOT listed as an option to reach a live CSR! I explained why I was calling and read part of the response I rec 'd regarding the last complaint. ( I am unable to add funds using my bank account because I can't add my bank debit card to Bluebird, as it was previously ) Their letter stated : We understand your concerns about the status of your account. In order for you to be able add funds to your Bluebird by American Express account using the debit card that you referenced in your correspondence, you must contact us to perform a 3-way bank verification with your bank. Please call us during your banks business hours for us to assist you further. You may reach us at XXXX. 

XXXX seemed clueless as to what I read meant and ultimately after placing me on hold many times, told me the only way for me to add funds to my card would be to go to a physical location because of 'suspected fraud ' on my account. Excuse my XXXX but is total XXXX! There was/is no fraud and I voiced that! This is all a ruse to make my use of this card as inconvenient as possible because they think I will go buy their new fee-based card! I ultimately wasted XXXX in another unless and conversation with them yet again!
Product: Debt collection

I have told LVNV FUNDING LLC to cease all communications with me in regards to the following alleged debt. Account # : XXXX. My request to cease all communication did NOT include communicating by responding to a cfpb complaint. They are still choosing to violate federal law by communicating with me. The Fair Debt Collection Practices Act ( FDCPA ) defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is a indirect medium to which they are choosing to communicate with me. In other words, they are willfully violating federal law and to be more specific, 15 U.S. Code 1692c. Along with other FDCPA laws they are violating my right to privacy as a federally protected consumer. I respectfully ask the cfpb to help cease all this communication.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this account from my report as it is hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

I want to seek help with my current issue regarding some inaccuracies and errors reported on my credit report by Transunion Credit Bureau. Last month, I sought help from a consumer law expert regarding the errors in my report, who provided information about the possible violations and also helped with preparing the documents. The letters were sent out on the XXXX, and I was expecting the company to take care of the issue, but unfortunately, instead of getting a proper response, they accused me of hiring a third-party company and denied my request. I was told that this is just their way of getting away with things so I want to you the evidence. I was told I could file a case for this company 's non-complaint to the consumer request based on the FCRA law, but I don't have the time and money to go through all the trouble, as I am also sick right now. so I am sending this to the CFPB with the hope that you will look over things. I am attaching the letter I sent out last month, including their response where they accused me of hiring a third-party person to dispute the errors.
Product: Vehicle loan or lease

On Friday XXXXXXXX XXXX XXXX XXXX  I went to wake my son up for school by opening his window curtains and noticed a random tow truck in my driveway hooking up to my car regardless of the posted no trespassing signs. I ran to get my phone which was actually ringing and it was GM Financial calling me. I answered the phone " NO NO please stop the tow truck I will give you money. '' The GM Financial rep responded " NO ''. I explained to the rep that GM Financial is well aware that I am currently on unemployment, that I had given them a partial payment on XX/XX/year>, that I had been working with them since losing my job in XXXX and had all intentions of continuing to do so. The representative informed me that GM Financial would be continuing with the repossession and that she could transfer me to the reinstatement department. At the time of repossession the account was 75 days past due according to them. The payment of {$250.00} they received on XX/XX/year> was not being accounted I'm assuming because it was a partial payment. GM Financial did not have consent to disclose my personal information to the third party company that towed my vehicle off of posted no trespassing private property. They have also taken the vehicle out of state. I am currently the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on unemployment at this time. GM Financial has put me in a deeper financial hardship then what I was already currently in by repossessing our only vehicle. My XXXX XXXX XXXXXXXX XXXX has had to quit going to the XXXX XXXX XXXX XXXXXXXX after school because I have no transportation to pick him up. He has also missed his basketball practice this week due to no transportation. My XXXX XXXX XXXXXXXX XXXX has had to call out of work 3 times this week due to no transportation this week. Although I have more then willing to work with GM Financial, they have not been willing to work with me. The GM Financial manager sent me an email on Thursday, XX/XX/year> XXXX XXXXXXXX requesting that I reach out to him and I was not even given 24 hours to respond to that email before they sent a third party here to pick up the vehicle. I also received as letter dated XX/XX/year>, stating they needed to hear from me prior to the next month, XXXX, to resolve the issue or the account would be charged off and vehicle repossessed yet they repossessed the vehicle on XX/XX/year> with out allowing me the allotted time to respond to that letter.
Product: Debt collection

I started speaking with the company early XXXX of 2022, mentioned my situation an told them I would reach out when I was ready to resolve debt after that Ive received frequent calls every following week sometime multiple times in a day, I finally answered an told the agency to stop reaching & theyre still contacting me every other day & company has never sent documents I asked for
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I transferred my student loans from XXXX to XXXX for repayment. After my loans were transferred to XXXX, XXXX failed to " close '' or " transfer '' my loan accounts on my credit report. I have contacted XXXX three times by phone to have this complete and even filed a dispute with XXXX to have them close the accounts. They sent me a statement in the mail that says their accounts are correct and have been transferred when they are not. My credit report is taking a hit because it is reporting that I owe double the amount of student loans when I have only XXXX servicer for them, which is XXXX. I should not have an open account with XXXX as I have not had them for my loan servicer since XX/XX/2023. This is affecting my daily life as I have tried to apply for other loans and can not be approved because my debt ratio is too high due to the incomplete task that XXXX is failing to accomplish on my behalf. I filed a dispute on Experian for all my XXXX accounts, which came back that the consumer disagrees with my statements. I have paper work stating when XXXX took over and that my accounts with XXXX were transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was a personal installment payment account that was paid off in full. When paid off the 60 days past due showed up on my account. I called them back to have this cleared and they said they would. I now just took a look at my report and it is still there showing 60 days late payments.
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 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 redress for these violations.
Product: Debt collection

I have reported and been working with the federal trade for identity theft. This debt originated from XXXX XXXX XXXX it states however plaza services took over and now XXXXXXXX XXXX XXXXXXXX. I do not know who opened this account when or why it was opened. Also it is under the last name XXXX which I have not had since XXXX. I have contacted XXXX XXXX XXXX, they state that its handed off to plaza services llc. I contacted plaza services llc they diverted me to XXXXXXXX XXXX XXXXXXXX which I asked to provide all documentation on this account and they were hateful and failed to do so. Now I have been served a civil warrant which I am XXXX!
Product: Student loan

I Do Not Currently Have All The dates Or Information to Provide in this Email or Text But If Contacted By my Email XXXX I Can Provide more Information Basically I Attended XXXX Years ago in XXXX And I Was Signed up and Charged a Federal Student Loan I Was Given a Tour of the Campus and An ID Badge I Also was Told by the Staff I Would Recieve a Diploma and Would get an Opportunity to Prepare for a Career Placement or Job in My Field of Study With the Career Specialist I Took Medical Billing & Coding ( XXXX ) However I Began to Fail In Class and Some how I Was Passed GIVEN Good Grades this School had been Under FRAUD And worst I Never Received my Diploma Never A Graduation Invitation Never Took State board Exam for Billing or Coding and Never Got a Career Job I Have Contacted Everbody the State of Florida Education, I Made a Request on the Website for Loan Forgivneesss And I am Still being Billed by FED LOAN FOR THIS PLEASE HELP ME!!!!!!
Product: Credit card or prepaid card

My bank is Bank Of America and my card was charged for {$670.00} cents between XX/XX/XXXX and XX/XX/XXXX. I have been a client of theirs since XXXX and have not missed a single credit card bill statement. I initially filed that I lost the card, however I found it a few days after having thought I lost it. I did not have the card with me on the dates that my card was used. I filed a claim for all of these transactions on XX/XX/XXXX. Bank Of America Did not believe me and denied the claim as of XX/XX/XXXX. I just do not think it is fair to pay back all the money I did not spend. Bank of America said the card was used physically, however I did not even have the card to use it on those dates. The transactions were made in XXXX, Maryland and I dont even know where that is. I also have never gone bought from those stores that the scammer charged on my card before. I hope this can be fixed.
Product: Credit card

In XXXX I made a XXXX deposit to my XXXX XXXX checking account through their mobile app. For whatever reason they decided to place a hold on my deposit. However I made 2 pmts of $ XXXX to pay my AMEX bill PRIOR to finding out XXXX XXXX placed a hold. I immediately contacted AMEX to make them aware and was told no problem they would retry 3 times. I filed a complaint with XXXX XXXX ( response letter attached ). Today I get an email from AMEX stating they closed my account. After holding 1 hourv13 min disconnected, called back speaking with someone who asked me to locate the letter and she disconnected me. Called back 2 hours on hold and told despite letter no can do in reopening account even though it was not my error.
Product: Debt collection

On approximately XX/XX/XXXX a representative contacted about a balance I owed to Synovus Bank by XXXX a debt collector. I agree to a settlement to resolve the account in the amount of XXXX and asked the representative to call me back at the end of the month as I am on a fixed income and could'nt make the % XXXX payment of XXXX until the end of XXXX On XX/XX/22 I received a call from XXXX who processed the payment of XXXX and agreed to call back for the additional payment to be processed. XXXX called on XX/XX/22 and said the payment was attempted and was declined I attempted to explain that I was on a fixed income and needed the payment to be attempted after XX/XX/22 at that point XXXX became rude and was speaking over me and not allowing me to explain, he then stated that since I was unable to pay on that date that the settlement agreement would no longer be valid and that I would need to make a new one. I called back and " a supervisor '' who listened to my complaint and made no attempt to resolve anything. Based on my treatment by this company I disputed the original payment of XXXX with my bank and feel that I did nothing but attempt to resolve this account with this company, on a fixed income and during a pandemic. Who is doing that? And this is the way I am treated. I don't understand how these people are allowed to operate and why they haven't realized that you get a better result by treating people with empathy, respect and concern as opposed to hostility, threats and disrespect. As I explained to XXXX XXXX this debt is not a pressing issue for me but I was still attempting to resolve it fairly and was treated horribly because of it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account INQUIRY DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit card

Ok, so I was with bank of America for XXXX years and they were ok for a while then last year/ XXXX was when they started to randomly raise my monthly payments to exorbitant amounts. I tried talking to them about it and they said " there was nothing we can do. '' So I took out a large loan and finally paid off my credit card. Then recently they said after months after I closed my accounts with them I got a random late fee and tried talking with them about it. They forced me to pay it. So I need help please.
Product: Checking or savings account

I have called XXXX  invest and have asked for a call back, i have not recieved the call back the wait times are about hours long i was promised by a representatove that the errors would be corrected as well as a bank letter indicating to reverse the overdraft fees that first convenience charged me for their error, i still have yet to receive the letter and any over draft fees, please help
Product: Mortgage

I have had the same Home Equity Credit Line for the past 18 years. My original loan was with a bank that TD Bank bought and the loan and conditions were grandfathered to TD Bank. The loan has no expiration date and is what TD Bank calls an Evergreen loan. Recently, TD Bank has been trying to get me to change the conditions of the loan to one which has a 10 year cap, which means the loan ends in 10 years. The bank is asking me to requalify for the existing loan on an annual basis which forces me to complete an absurd amount of paper work. The bank has told me that if I agree to change the conditions of the loan to the 10 year cap there would be no paper work now, or in the future. I have never been asked to provide any additional paperwork in the 18 years that I have the loan. This is clearly HARRASSMENT to get me to change the loan, which is not in my best interest. I have made repeated to clarify this with the bank but have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft. Enclosed are copies of my police report, identity theft report, drivers license, Social Security card, and proof of my current address to verify my identity.

Upon reviewing my credit file, I found several fraudulent accounts that do not relate to any transactions I have made. These inaccuracies need to be blocked and removed immediately. I have also filed a complaint with the Federal Trade Commission to officially document this identity theft.

Per Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and remove the following fraudulent accounts from my credit file within 4 days of receipt of this letter : Identity Theft Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report.

Identity Theft Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report.

Identity Theft Creditor : XXXX XXXX Account Number : XXXX Please remove this account from my credit report.

Thank you for your prompt attention to this matter. I look forward to confirmation that these fraudulent accounts have been removed and blocked.
Product: Vehicle loan or lease

I lost my job twice ; once in XX/XX/XXXX and again in XX/XX/XXXX. During this time, I struggled to make my monthly car payments and fell behind by 5 months, total. I spoke with the XXXX, North Carolina State Employees Credit Union and they asked that I keep them updated on my re-employment status. I kept in contact with them and let them know when I was re-employed. They informed me of the outstanding balance, which was about {$2100.00}, for my vehicle and that re-possession would be implemented after my loan was delinquent for 180 days. I asked if there was anything that I could do to put off the order, but XXXX, the SECU representative informed me that there is nothing that could be done to help me. Following the discussion, I saved enough money to pay the full balance. Once I paid, XXXX sent me a letter, stating that my car loan status was current and noted that the next payment was due on XX/XX/XXXX. I made my car payment on XX/XX/XXXX in the amount of {$450.00}. I woke up on the morning of XX/XX/XXXX and my vehicle was not in my driveway as I left it on the night of XX/XX/XXXX. I spoke with the bank on XX/XX/XXXX and they said that the amount quoted to me earlier did not satisfy my loan. I asked why was this not communicated to me. I satisfied the amount that she quoted. She added that I would have to pay the repossession fee of {$370.00} plus a daily storage fee of