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

Bridgecrest sold me a mechanically malfunctioning vehicle back in XXXX XXXX, XXXX. This was 3 days after a major accident I had with an XXXX driver who knocked out XXXX XXXX  in my XXXX  and one in my XXXX  destroying my last vehicle. When I purchased the vehicle, I was sure to buy full coverage insurance, GAP insurance and anything else they sold me as a protective add on stating I did not want to pay major repair cost on a nearly {$20000.00} vehicle. They also ensured me there were no major issues to the vehicle upon purchase. 

Shortly after, I Started experiencing transmission and clutch issues. I had the car serviced twice for the same issue which they claimed they resolved. By the 3rd time, they claimed my milage to resolve the pre-existing issue was just out of warranty to service the car. They claimed the repairs would cost an additional {$4000.00} to fix permanently. This was after only having the car for about 9mths! 

I made the decision in the fall of XXXX to do a voluntary surrender stating they sold me a bad vehicle which is concealing information while engaging in a lawful contract. Transmissions and clutches on automatic cars don't burn out on vehicle within 9 months unless they're already bad. I did research on the XXXX XXXX and found many of them were having those same issues and consumers we're getting stuck with " hidden lemons. '' Bridgecrest not only failed to provide this information upon signing the car loan, they failed to provide the following via mail or certified mail at my primary residence of 10yrs. : -No right to redeem letter according to GA right of redemption laws -No 10 day letter of guarantee prior to car auction/sale -No post-auction sale statement showing the sale balance recovered at auction. 

This loan is illegally on my credit report given the above information hasn't been provided by the consumer law protection codes in the state of GA. The loan balance to date shows the original balance and a massive amount of interest totalling {$22000.00}. 
Original loan amount Bridgecrest needs to provide this information : -Rght to redeem letter according to GA right of redemption laws -10 day letter of guarantee prior to car auction/sale -Post-auction sale statement showing the sale balance recovered at auction. 

The request to remove the loan from my credit report and provide the necessary redemption letter, 10 day letter of guarantee and auction sale information via certified mail.
Product: Mortgage

I submitted complaint number XXXX. The company has never called me to resolve this, however when I called in they state they did everything correctly. That is just ridiculous as between XXXX and Nationstar they reported to the XXXX  that I received interest on my escrow account in the amount of {$64.00}, when in reality, Nationstar mis-stated the amount THEY paid by including what XXXX paid when the loan was transferred. I only made {$35.00} in interest. Now I must file my taxes for 2020 and the return will give the impression I received more interest income than I actually did. This is easy to understand, Nationstar is just too stupid to understand it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked XXXX XXXX and XXXX to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit card

For more than 5 years I carried a balance in excess of {$5000.00} with U.S. Bank on a credit card with a high interest rate. Each month payments were made automatically from my bank account to U.S. Bank. In XXXX 2014, I paid the account in full and discontinued the automatic payments. Months later I received a call from U.S. Bank stating that I was delinquent on my account. Apparently interest had accrued on the account, even though the balance had been satisfied. The customer service person apologized for the error and agreed to have the balance waived. Roughly 30 days later, I received another call ... .again indicating my account was delinquent. I explained the situation and was transferred to a manager, who again told me that the balance would be removed. The account was closed at my request. I reviewed my credit report last week and discovered I have a delinquent charge on my account from U.S. Bank, drastically reducing my credit scores. I would like the delinquency removed from my history and my credit restored.
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 redress + for these violations.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I was scammed by somebody on the internet. They setup an account on XXXX, tried to sell me tickets to a concert, had me send money via PayPal, and then disappeared entirely. The transaction was conducted through PayPal Family and Friends, so there's nothing that can be done to retrieve the money - and that's fine. I want to report the user so that maybe in some way this account can be stopped. It was a dumb move on my part, and I'm embarrassed about that, but I would like to help others avoid a similar situation. If there's anything that can be done to shut down this user on PayPal and XXXX, that would be awesome! 

DO NOT SEND MONEY TO : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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

My monthly mortgage payment went {$1800.00} /month to $ XXXX started in XX/XX/<YYYY> This happened because they opened escrow account which was not there while it was serviced by XXXX Mortgage. As a result, I lost the flexibility of making arrangements with the XXXX to pay property taxes and insurance payments with insurance company. As a result, I am perpetually XXXX payment behind all of XX/XX/2016. In addition, every time I try to schedule the payments or move the scheduled dates, I am being harassed perpetually.
Product: Checking or savings account

I have Called for over past two years about this account it has harmed my consumer reimport causing me not to open a bank account and survive. I am asking you to remove this fraudulent account from early warning system and XXXX
Product: Credit reporting or other personal consumer reports

JPMCB CARD SERVICES Inquiry : XX/XX/2023 the bank I called said I filled out a application. And would not tell me the specifics of what the application. I said I never did. And they said they could help me, even though it will be on my credit reports for 2 years. A hard Inquiry caused my entire credit scores and good feedback on my credit do not reflect a big loan paid off didn't reflect what should be on the my credit rating and so forth. 
+ Bank ( XXXX ) XXXX
Product: Credit card or prepaid card

On XXXX2022 I reported to TD Bank about unauthorized transactions on my Credit card : XX/XX/XXXX2022 amounts {$260.00}, {$260.00}, {$260.00}, {$19.00} total {$820.00} ( claim # XXXX ). Since I spoke with TD representatives on XXXX/XXXX/2022, XX/XX/XXXX22, XX/XX/XXXX22, XXXX/22,XXXX/22,XXXX/22,XXXX/2022 I still don't have resolved result about above fraud. Charges still on my card account. Bank is continuing charging late fees and interest from me ( up today {$63.00} ) .Please help me to resolve this issue. 
Thank you XXXX XXXX.
Product: Debt collection

I settled an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, on XX/XX/2023. The company filed a Satisfaction of Judgment with XXXX XXXX NY Supreme Court on XX/XX/XXXX, XXXX and every 2 weeks Oliphant reports an increase in balance to all 3 credit bureaus. On XX/XX/2023 I Disputed the information with XXXX and provided the Index number from the Satisfaction of Judgement filed with the court. The disputed case with XXXX was reported as resolved this morning stating that Oliphant has reported the information as accurate, which is Absolutely False.
Product: Debt collection

I am writing to formally lodge a complaint against XXXX XXXX, located at XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. I believe their actions constitute severe violations of the federal Fair Debt Collection Practices Act ( FDCPA ), and I urge the Federal Trade Commission to investigate their unethical practices. 

Since I first became aware of their attempts to collect a debt, XXXX XXXX has subjected me and my family to relentless harassment. Despite my explicit requests for them to cease communication, they have continued to bombard me with phone calls and letters. This persistent intrusion has created an unbearable atmosphere of anxiety and distress not just for me, but for my entire family. 

The emotional and psychological damage inflicted by XXXX XXXX can not be overstated. Their constant threats and unwarranted calls have left me feeling like I am living in a state of constant fear and unease. As a veteran who has dedicated my life to serving this country, it is heartbreaking to find myself in such a vulnerable position, being tormented by an unethical debt collection agency. The stress and XXXX  I experience daily have manifested in sleepless nights, panic attacks, and an overwhelming sense of hopelessness. It is disheartening to think that after serving my country, I am now subjected to such harassment. 

More alarmingly, XXXX XXXX has taken to threatening my son with both criminal and civil penalties, which is not only inappropriate but also deeply distressing. Such tactics are not only unethical but also a blatant violation of the FDCPA, which protects consumers from harassment and intimidation from debt collectors. The emotional toll this has taken on my son can not be overstated, as he is left feeling frightened and distressed by these threats. 

Additionally, they have involved my ex-wife in their harassment tactics by calling her and making threats, which constitutes a violation of the third-party communication restrictions outlined in the FDCPA. This unwarranted intrusion into my family 's private life has not only exacerbated my mental and emotional suffering but has also disrupted the peace and stability of my household. 

I feel trapped in a cycle of intimidation that has affected my daily life and overall well-being. XXXX XXXX has succeeded in creating an environment where I feel unsafe and anxious, robbing me of my peace of mind and dignity. 

I implore the Federal Trade Commission to take immediate action to investigate XXXX XXXX for their unethical and illegal practices. Their blatant disregard for the rights of consumers must not go unchecked, and they should be held accountable for the emotional damage they have inflicted on my family and me. 

Thank you for your attention to this serious matter. I look forward to your prompt action and response.
Product: Credit reporting or other personal consumer reports

I Notice on XXXX XXXX That I Had A Open Account that I Didnt know about. They did an investigation that lasted about 30 days And the results were the same.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Someone used my info to get a card from Capitol One. Now its a collection on my report
Product: Checking or savings account

I opened my account XX/XX/year> and I had {$600.00} put into my account and I tried to XXXX {$550.00} and other one of {$20.00} to my fianc on XX/XX/year> and those transactions got put on hold then they locked my account and wont give me access to my account unless I drive far away to one of their branches I have offered to email them whatever they need to be able to get access to my fund but they wont do it unless I drive to them and I told them I couldnt drive to them and even if I wanted to they have my money so I wouldnt be able to drive there and they got very rude with me over it.
Product: Vehicle loan or lease

I am writing in response to a series of request from Ally Financial that I allegedly owe an outstanding invoice for an amount of {$2200.00} after I returned my leased vehicle and was granted a one-month extension by Ally. As a matter of fact my lease return was due at the end of XX/XX/2018, I had called Ally agreed to an extension of one-month documents were generated and a signed extension was sent back that should have entitled me to an additional 1000 miles and an additional 30 days. Furthermore I was never provided upon disposition of the vehicle of any receipt by your dealer at XXXX XXXX XXXX in XXXX New York that would substantiate the damage your are alleging of the excess mileage and total daily extension you are falsely claiming Lastly, I have was directed to a website which never worked to inspect all relevant report post disposition of the vehicle, kindly provide all report produced by ally, XXXX or its agents in conjunction with the return and alleged property damage. The extension contract was never applied I have sent them {$600.00} as a payment someone from their executive office reach out saying she will be handling the matter pertaining to the excess mileage and the excess leasing days and never actually followed up.
Product: Checking or savings account

I have had to change cards several times between XXXX due to hacks & scams with my account. Money being taken out that I didnt authorize. Most recent was unauthorized XXXX XXXX fees whereas I was being charged $ XXXX  monthly by virtual payments I believe from an old card number. Where as the actual real XXXX emailed me saying they do not charge monthly fees. I have called and spoke to several different people about fraud but it still is happening. One time I called and stayed on hold for 30 minutes regarding funds being transferred from my BOA checking to HELOC on XX/XX/XXXX but it took 4-5 days for it to actually show up. My payment is due on the XXXX. Instead of the transaction being done that day it held the money to be posted on the XXXX. This has happened more than once that funds are held for days and not taken out in a timely fashion then leaving me with overdraft/negative balances. When I called we were unable to see a full/detailed record of my HELOC account like the funds that are visible with the checking account something that I have complained about since opening the HELOC. The bank affiliate said she would have to transfer me to someone else because she wasnt sure about what was going on and could not see full details of payments either. My former employer who had financial issues has my bank account info since I did direct deposit for pay and they may still have an affiliation with my account due to litigation issues. This bothers me as I have been hacked several times and changed cards due to fraud issues several times. Its a huge inconvenience to me and very stressful and scary. I am requesting a review of my account and all members at BOA or anyone other than myself who has accessed my info. Plus when I transfer funds it takes several days for the money to go into my account sometimes leaving me with negative balance. There was also an issue with my IRA in XX/XX/XXXX I wanted to transfer my XXXX into XXXX IRA account due to my job laying me off. No one there actually knew the correct way to roll over funds to XXXX IRA. Instead it was put into regular IRA. The bank member called me back saying my beneficiaries werent entered correctly when I gave him info twice. He then stated he could meet me somewhere to resign forms which I declined and went back into the actual bank to resign IRA forms & give my beneficiaries private/personal info again the next day after emailing him XX/XX/XXXX. When I asked him about XXXX IRA that I originally asked that the money to be rolled over into he stated we would have to start the whole process over. At that point I did not feel comfortable doing that or re-entering my info or my beneficiary info so the account was left as is. Plus I wanted to get it all handled before 10 days so I would not have any penalties with it being a direct rollover from the job to BOA. Something very suspect is going on with my account and I want it resolved. I have sent this to XXXX  as well as I want to have proof on record of my complaints.
Product: Credit reporting or other personal consumer reports

Im extremely frustrated to see unauthorized inquiries on my credit report this morning without any explanation. Ive checked my report as usual, and out of nowhere, there were discrepancies. Refreshing my browser didnt help, so this is not a glitch. Please review the documents Ive submitted thoroughly and resolve this immediately to put my mind at ease.
Product: Mortgage

Value for the property came back way too high. Wouldn't have another appraisal done. Need to dispute value. Got construction company to bid repairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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
Product: Debt collection

Collections Agency = EOS CCA ( Original creditor = XXXX XXXX ) XXXX XXXX XXXX XXXX, MA XXXX Date : XX/XX/2018 Amount : {$160.00} This debt is not mine nor have I ever received any type of documentation or communication regarding this matter. This is in direct violation of collection activities and FDCPA governance.
Product: Money transfers

I wire transferred XXXX XXXX to a company in XXXX for their service, Wells Fargo charged me {$35.00} for their service, that 's ok but than they charged me an additional XXXX XXXX, claiming the recipient may receive less due to fees charged by the recipient 's bank and foreign taxes, How does Wells Fargo know? 
second now my customer receives only XXXX XXXX??, I consider that fraud, to make my customer happy I have to wire transfer XXXX XXXX, pay {$35.00} wire transfer fee to Wells Fargo and another XXXX XXXX, so where does this end? 
thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

Under 15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card

CREDIT CARD COMPANY UPGRADE SENT ME PROMOTION ON BALANCE TRANSFER USING THEIR ACCOUNT CREDIT CARD. I USED THE PROMOTION FROM UPGRADE TO TRANSFER {$4500.00} TO XXXX XXXX DAYS LATER XXXX XXXX STATED MONEY WAS NOT TRANSFERRED BY UPGRADE. CREDIT CARD COMPANY UPGRADE DID NOT DO CANCELLATION REQUESTED REFUND NOR REVERSE CHARGES OR ALIKE. I HAVE TRANSCRIPTS FROM UPGRADE AND FROM XXXX XXXX AS A CUSTOMER OF SEVERAL YEARS I NEVER BEEN LATE AND NEVER COMPLAINED. Under the Fair Credit Billing Act of 1974, all payment card issuers must offer a chargeback process to remedy fraud and abuse
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the
credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Credit reporting, credit repair services, or other personal consumer reports

my bankrupt date is incorrect this bankrupt is over 10 years old please remove from my credit report