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

I purchased a new XXXX  XXXX XXXX on XX/XX/2021 from a dealership in XXXX FL. After a long day and a long drive home, I did not fully review the documents, but did the next morning and realized they had added {$3600.00} in extended warranties and maintenance contracts to my loan without discussing them with me. This was quickly remedied with the dealership on XX/XX/2021, and Chrysler Captital where the car was financed, and they credited my account for that amount on XX/XX/2021. 

In the meantime, I refinanced the car with my bank at a lower APR with the payoff amount given to me by Chrysler Capital and they credited my account as paid in full on XX/XX/2021, still. They then, after the loan is paid in full, proceeded to withdraw a payment from my checking account on XX/XX/2021.Since then, I have been trying to get the refund of the extended warranty charges and the payment they withdrew from my account after the loan was paid in full. 
I called them on XX/XX/2021, inquiring when they were going to send my money that they were holding. They told me they needed to wait 30 days to make sure my bank didnt cancel the check that paid off the loan. I waited. On XX/XX/2021 I received a notification from my bank ( XXXX XXXX XXXX XXXX ) that they had received the title from Chyrsler Capital, so I knew they felt confident the check was going to bounce. I called them again, asking when I would get my refund ( s ). I was told the checks for the Payment was mailed on XX/XX/2021 and the check for {$3600.00} was mailed on XX/XX/2021. Again, I waited. Note, I have USPS Informed Delivery, so I get an email each morning with a picture of each piece of mail to be delivered that day. On XX/XX/2021 I received the {$400.00} for the payment withdrawn from my checking account. Though the check is dated XX/XX/2021, the envelope is dated XX/XX/2021. I called again and was transferred to XXXX in the Executive Branch. I requested that the other check be cancelled and a new one issued with tracking. She said they normally like to wait 30 days for mail to get from XXXX TX to XXXX XXXX FL. It only took 3 days ( including a Sunday ) for the other check to get here. 
I called XXXX XXXX, specifically the Executive Branch where XXXX had called me from and ask the status. I was told that the original check for {$3600.00} had been canceled and XXXX would call me with the tracking number for XXXX Tracking. I waited until XX/XX/2021 and called again. I was told it would take a few more days for them to cut the check, then write envelope. I spoke with XXXX and could not get anything more than a few more days. 

At this point, I dont believe a word they say. They have been holding onto MY money, accruing interest that they will keep and Im losing interest I could be making. It has been 68 ( SIXTY EIGHT ) days since my loan with Chrysler Capital has been paid in full. It has been 42 days since my bank ( XXXX ) received the title from Chrysler Capital. Im over their untruths. I want to know how long they are allowed to hold and earn interest on my money! Please.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2022, we requested that my Credit Union, Pentagon Federal Credit Union ( PenFed ) transfer {$700.00} to XXXX XXXX XXXX who resides in XXXX, XXXX XXXX. XXXX XXXX never received the {$700.00}. We have been working with PenFed for almost XXXX months now to reverse the international wire transfer. To date no resolution to the matter has been accomplished. Today, I was told that if the foreign bank does not reply to PENFED 's request that we have lost the {$700.00}. I'm not too sure where PenFed sent the monies but what we know for certain is that XXXX XXXX did not receive the {$700.00}. We have been members of PenFed for over 36 years and this is a terrible way to treat anyone.
Product: Debt collection

On XX/XX/XXXX I was in auto accident and had gotten medical treatment in XXXX Hospital in XXXX, AL they debts was paid by my attorney ( see attached documents ) the hospital later sent it to collections and have reported on my credit report which id defamation of character as this bill has been paid way before reporting date. I have disputed this information with National Recovery Service and the credit bureaus asked for debt validation on several occasions and to verify that they were legally allowed to report this after I have paid them before they even placed on my record. The company failed to do an accurate dispute and to send me validation of the debts they claim I owe, they are defamation my character and this information needs to be removed immediately or I will seek compensation for damages. 
Regarding accounts : XXXX XXXX  ACCOUNT # XXXX {$250.00} XXXX XXXX  ACCOUNT # XXXX {$4100.00} I have mailed several dispute letters since XX/XX/XXXX and I sent a final dispute certified tracking # XXXX Nationwide Recovery Service sent XX/XX/XXXX delivered XX/XX/XXXX @ XXXX XXXX   certifeid tracking # XXXX Nationwide Recovery Services sent XX/XX/XXXX delivered XX/XX/XXXX AT XXXX XXXX
Product: Bank account or service

Our bank allowed XXXX to withdraw money from our checking account without our consent. Also the name on the XXXX account was different than ours.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/Self is reporting an incorrect status on my credit reports. The account is paid. The account balance is XXXX. However, the account status is being reported as 30 - 59 days past due although the account was paid off in XX/XX/2020. The account status is WRONG.
Product: Checking or savings account

Capital one joint checking. I had POA, and joint ownership of the acct. My Mom was in XXXX. I swept cash from XXXX XXXX into the acct in question. Then began moving it out and the actions were deemed fraudulent. I called to resolve the issue yesterday to no avail. Today I'm informed the bank has ceased business with me and locked the funds. My Mom died on XX/XX/XXXX and XXXX cant access the account nor close it. I am XXXX of XXXX designee and her heir per the XXXX. The bank is unhelpful, with further steps or actions to resolve the issue. I will have certified XXXX Certificates in the next couple weeks. I want to close the account and move the funds elsewhere. I have private care bills, pending income tax, and other business to resolve post death.
Product: Credit reporting or other personal consumer reports

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

I have submitted disputes about fraudulent information on my credit report. the credit bureaus are delaying and not giving my identity theft the serious attention it deserves
Product: Student loan

I am writing to formally lodge a complaint against Navient Corporation concerning the handling of my consolidation loan, which my wife and I have maintained with Navient for over 20 years. Since XX/XX/year>, we have been attempting to transfer our loan to XXXX XXXX or a government lender to explore available forgiveness options. Despite our repeated requests for assistance, Navient has been unwilling to facilitate this transfer. 

Additionally, in an effort to compel Navient to provide the necessary assistance, I temporarily ceased making payments. However, rather than addressing our request, Navient has resorted to contacting unauthorized third parties, including my mother, my wife 's father, and at least one neighbor, disclosing our private student loan information. This conduct is not only unethical but also constitutes a violation of privacy laws and regulations governing the disclosure of confidential information. 

We are acutely aware of the available options for loan forgiveness and the legal framework that supports such transfers. Navient 's refusal to assist us in this matter and the subsequent disclosure of our private information to unauthorized parties have caused significant distress and are legally indefensible. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Navient Corporation for their unethical and illegal practices. We seek your intervention to ensure that Navient facilitates the transfer of our loan to a government lender or XXXX XXXX, and to prevent any further unauthorized disclosure of our private information. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance.
Product: Debt collection

I have received repeated telephone calls from someone identifying themselves as representing XXXX  XXXX, a company with which I have no professional relationship. They are calling me repeatedly from a number in Texas -- ( XXXX ) XXXX -- and I have instructed them to call neither my home phone nor my employer nor anyone else to harass and berate me or them. They have refused to cease and desist with their harassing telephone calls. 

My research shows that this company has had several judgments against them for violations of federal law and harassment of folks who, like me, have no professional relationship with XXXX  XXXX. I would respectfully ask the CFPB to levy the strongest actions against XXXX XXXX for improper and amoral business practices. Thank you!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXXXXXX XXXX XXXX XXXXccount Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act, they had 30 days to verify my disputed items. They received my certified mail DISPUTE on XX/XX/2020, therefore, they had until XX/XX/2020 to respond to me. THEY DID NOT, thereafter, I corresponded with them again via certified mail on XX/XX/2020. They have yet to clear my account and are consequently in violation of a FEDERAL LAW. Their time frame to investigate DID NOT begin when they received my second certified mailing. It began, PER THE LAW, when they received my first communique, as verified to be XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in a consumer report without authorization. The adverse item being reported without my permission is a violation of this provision.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. XXXX and Experian are thus violating this provision by reporting inaccurate information without proper consent. 

Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of relevant sections and limit the furnishing of consumer reports to specified purposes. XXXX, Experian and XXXX are failing to uphold these reasonable procedures. 

Lastly, as per 12 CFR 1016.7, I have the right to opt out of reporting services at any time, and I am choosing to exercise that right. 


XXXX XXXXXXXX / acct number XXXX all ( late payments ) XXXX XXXX  / acct number XXXX all ( late payments ) XXXX XXXX / acct number XXXX charged off XXXX XXXX / acct number XXXX charged off XXXX XXXX XXXX / acct number XXXX all ( late payments )
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, the money was sent to the " XXXX XXXX XXXX '' agency, paying in cash the amount of XXXX dollars, which were XXXX for the shipment and XXXX dollars for the service. Normally the money arrives within an estimated time in which it appears on the shipping ticket. The money I sent has not arrived as of today and they have not returned the money to me ( today is XX/XX/year> ). After a week of not meeting the estimated shipping date. I decided to call the agency and they have not been able to give me information and told me to contact the main company for which they work to make shipments. 
To all this they sent a response to my complaint in which they said that they sent a check, which unfortunately has not arrived, 6 months have passed and I am still waiting for the check. I would like to know when they will return my money. 

Note : My current address has changed as I now live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX Account # XXXX date opened XX/XX/XXXX bal. {$17000.00}, XXXX XXXX XXXX Account # XXXX XX/XX/XXXX bal. {$720.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$430.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$340.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$250.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$180.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$170.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX XXXX XXXX Account # XXXX XX/XX/XXXX bal. {$0.00} inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I recently refinanced my mortgage with AmeriSave mortgage corporation MNLS ID XXXX. My loan originator was XXXX XXXX MNLS ID XXXX. The pertinent dates are XX/XX/XXXX through XX/XX/XXXX ( loan closed ). The basis for this complaint is transparency with lending fees and bait n switch with fees disclosed from initial fee arrangement to closing. Pertinent communications are attached to this compliant. 

On XX/XX/XXXX I initiated a 25-year mortgage refinance. XXXX provided documentation that the lender fees would be {$1200.00} and XXXX agreed to lower the lender fee from {$1200.00} to {$720.00} - a savings of {$500.00}. XXXX shared that those fees would not be subject to change. Please note the {$1200.00} figure was not consistent with the online quote site but it was close. 

Approximately a week prior to close I received several loan disclosure forms with lender fees much greater than originally agreed to. The first loan disclosure discrepancy I spoke with the loan processor who was able to access the original lender fee documentation provided by XXXX ... my loan processor referred the issue back to XXXX. XXXX proceeded to ask me to forward the documentation I had as evidence of the lender fee agreement despite this information being available to him through his own company documentation of my file. He proceeded to discuss the discrepancy with his manager. A revised loan disclosure was prepared with lender fees much higher than our original agreement. I responded to XXXX for an explanation and he said he would investigate. A third disclosure through email which again was inconsistent with our original discussion was received. XXXX shared I was getting a great deal by only paying a lender fee of {$1200.00} ( which is the lender fee posted on the site originally ). XXXX shared he made an error with his original estimate. 

All of this concerns me from a process and company integrity perspective. First, if I did nothing how much would I have over paid based on that first disclosure ... how many other consumers who might be less informed and more vulnerable be over paying. Second, why is the organization not honoring their agreed to lender fees. Based on the lender fee agreement on XX/XX/XXXX to XX/XX/XXXX the fee jumped 70 %. That should not be within any tolerance standards for a company ... let alone should a consumer experience that sort of disparity.
Product: Mortgage

XX/XX/XXXX XXXX of {$600.00} XX/XX/XXXX XXXX XXXX {$600.00} These payments were sent into my bank to make the mortgage payment. Flagstar Bank instead of holding it in suspense put it towards the principal. I wasn't able to get into the online bank account because I was in bankruptcy in which I came out of bankruptcy XX/XX/XXXX. I was able to log on to my online account finally in XX/XX/XXXX. They had sent me a letter saying that I was late on a payment in XXXX. What happened is that they appropriated these funds to the principal instead of the mortgage balance. When I spoke with someone in XXXX I was told because it was over 90 days for the XXXX payment there was nothing they could do but they were going to try and they gave me a confirmation number. When I called again because my mortgage statement didn't reflect any of this that we spoke of in XXXX, I called back today XX/XX/XXXX. I was in told that they corrected XXXX of the {$600.00} which was in XXXX they said that they can not fix the other XXXX because it's been over 90 days. I also had a problem once I sent them a {$13000.00} payment in XXXX which took them until XXXX to correct the problem and appropriate the funds correctly. I know they're able to go back and do it because they did it more than 90 days later. I would like for my {$1200.00} to go towards my mortgage payment and not the principal. I am a teacher and I work at a public school I don't have an extra {$1200.00} to drop on the principal balance. I paid on the bankruptcy for 3 years spending approximately {$60000.00} in which none of the mortgage stuff had been taken care of so when I got out of bankruptcy XX/XX/XXXX I went ahead and paid what the mortgage company was asking for the bankruptcy even though their attorneys said I owed nothing and they had been paid back. When we try to call the bank they don't respond, I have been hung up on, yelled at during this process and I think it's very unprofessional. Now I'm out of money and they just tell me it is what it is it's been over 90 days and that's how our system works. You're just out the money. I have asked to speak with supervisors and I've been told the customer service representative called them for me and told me they can't help.
Product: Checking or savings account

Funds were sent to me. Company could not explain why funds weren't In my account and where were the funds at
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXand account name 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 an 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. " Please provide me with my written instructions as it stated in 15 U.S.C 1681 section 604 A section 2. thanks ''
Product: Debt collection

Theres an outstanding balance that shows up on my credit report in the amount of {$250.00} for XXXX. The debt collector is called IC systems. I called XXXX yesterday regarding this account because I didnt know where this balance came from as I do not owe any money to them. They went over all my past addresses and phones to look further into any accounts with their company and did not find where I owed them this money. In fact we confirmed that my last service with XXXX was closed XX/XX/year>, however this collection account says that it was opened XX/XX/year> and has been past due since XX/XX/year> - present day. XXXX XXXX they can not find any account of service with them that shows I any money, especially this {$250.00} that is reported on my credit. This is the second time I have tried to dispute it with ic systems but still goes unresolved. And it has, at my credit take a dramatic dive when I have been working tirelessly to improve my credit, which was just a small margin away from XXXX. Now it is below XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER IS REPORTING A LATE PAYMENT FOR THE MONTH OF XX/XX/2020. THIS IS A COMPLETE ERROR AS I PAID THE ENTIRE ACCOUNT BALANCE ON XX/XX/2020. THEREAFTER, I WAS EVEN GIVEN A INTEREST REFUND. HOW CAN I POSSIBLY BE LATE AND THEY GIVE ME A REFUND? I HAVE ATTACHED A COPY OF MY DISCOVER STATEMENT TO SHOW PROOF. PAGE 3 UNDER THE TAB " TRANSACTIONS '' WILL SHOW WHEN I MADE THE PAYMENTS AND WHEN I GOT THE REFUND.