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

My car has been in and out the shop for repairs Im paying every two weeks I dont feel Im getting my moneys worth out of my car Im having to pay people to take my husband back and forth to work havent had the car thirty days its not far Im out of more money and youll are winning Im trying not to file a lemon law on this vehicle. I have even ask them to let me trade out the car and Im not getting any response
Product: Mortgage

XXXX and XXXX XXXX sold their condo in XX/XX/XXXX and paid off the mortgage balance in full. On XX/XX/XXXX, Regions, who had the mortgage and has XXXX and XXXX 's checking account with mortgage payment automatically drafted, took out the {$750.00} mortgage payment, even though there is no longer a mortgage, or a condo ( it was sold to someone else, who paid cash ). I called and emailed XXXX XXXX at the XXXX branch, who called and spoke to XXXX in the mortgage dept. First they wanted to mail a check - to the condo, where XXXX and XXXX no longer live - in two weeks. I insisted that was not acceptable, sent emails to Regions customer service, demanded to speak to a supervisor, asked to speak to their compliance dept ( said request was denied ). Finally, when I threatened to call CFPB, they put the money back in, and said they needed to find where it went so it would n't happen again. XXXX, a supervisor in XXXX, XXXX XXXX assured me it would not happen again. I asked for, and received, a letter stating the mortgage loan was paid in full. ( A Release of Lien document was not available yet. ) Now, fast forward to XX/XX/XXXX, and the {$750.00} was taken out again, after spending dozens of hours of my precious time in XX/XX/XXXX and getting an assurance this would not happen again. They are stealing XXXX and XXXX 's money. In addition, the letter states an escrow refund of {$13.00} is due, but apparently they mailed it to the condo that was sold to someone else, so that was never received either. I want Regions to forever stop stealing money to pay a mortgage that has already been paid off, refund the {$13.00} plus a {$100.00} service fee for the inconvenience back into the account ( direct deposit, not a check put in the mail to a bad address ), and I want them fined by the federal government for being dishonest and an absolute hellish nightmare to try and work with. I should not have to spend my time dealing with this.
Product: Money transfer, virtual currency, or money service

I m a victim of scam on coinbase. 
Someone had stolen XXXX $ out of my wallet. 
And coinbase have not done anything about it. 

My complaint letter is attached on bottom Please help me on this terrible situation
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : National Credit XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account number : XXXX NAME : XXXX XXXX XXXX address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear National Credit XXXX. 

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit card

Charges were made on my card that I didnt know about as I vowed to never use the card again after they lowered my credit limit. Someone charged to my account without my knowledge. The bureaus said I would have to have a police report which I was unable to get due to the police needing to know if it was online or in store and XXXX XXXX had no way of showing this. The police needed to know this in order for them to know which branch would need to file the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : 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: Vehicle loan or lease

my car was stolen recovered and repoed. My daughter and I live in XXXX and as of XX/XX/XXXX XXXX Wells Fargo left us stranded in XXXX. My daughter is in honors and an advanced student.We drove out of town for family emergency. We are currently stranded and Wells Fargo is not expressing concern. How are we supposed to get back.I lost my job because of Wells Fargo careless attitude when it comes to there customers. They are very deceptive in there loan practices. And they dont care about families. A bunch of crooks and opportunists. I want Wells Fargo to pay for me and my daughters airfare back to XXXX and pay lost wages to date.This has been the most horrible experience ever. I will never recommend to do business. I was on phone with rep she said go in bank to refinance guess what they havent refinanced since 2019. A wild goose chase misinformation leading no where. Wells Fargo do the right thing and get my daughter and i back home you heartless morons.
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, XXXX  XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, 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.
Product: Debt collection

dont owe this debt this scam the insurance cancelled my paid in full policy and now they weant to collect on somehting they cancelled and refunded me this is scam i dispute this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a background check by XXXX for a job application. The background check has me listed as living in Oregon two times. I have never lived in Oregon, so someone has used my identity. Their information on where I have lived is all wrong. I have had two addresses in ten years, it has me down for 5-6.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, US DEPARTMENT OF EDU add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX XXXX/XXXX  add a hard inquiry on my credit reports per XXXX  and XXXX. On XX/XX/XXXX, CITIZENS BANK add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

On XX/XX/18, I contacted Bank of America after my hairdresser attempted three times to use my Mastercard from Bank of America. I saw, too, they alerted me to check to see if some transactions were familiar, and they were not, but at that time, I could not get the system to work from my XXXX to check off and submit to them the purchases I had not made, so I called them. Long story short, over three hours later, I was still on hold with them, trying to reach the fraud department, which even a supervisor of the checking and savings department swore to me, and the credit card department, too, that they were working that day and I was simply to stay on hold. As I waited, more charges/attempts were occurring on my card, and I felt sick and upset, and could get no help. After over three hours on the phone ( no, I am not exaggerating and have phone records to prove the times I called, and asked for call back, too, which they never did call back at all ). I still have not heard a word from them.
Product: Debt collection

They would call XXXX times a day plus weekends and hang up when the answering machine comes on. If I answer, there would be no one there or a person you ca n't understand.
Product: Debt collection

I, XXXX XXXX entered a consumer credit card transaction with Capital One on XX/XX/2016 Pursuant 15 USC 6802b Capital One never disclosed to me that I had the option to opt out of this transition being reported. My social security number is an open ended credit plan. 
Pursuant 15 USC 1692g I'm the original creditor, natural person, private individual of this account. 
15 USC 1602d the term " organization '' means corporation, government, governmental subdivision or agency, trust, estate, partnership, cooperative, or association, Capital One is a corporation. 
Capital One also reported this transaction to a consumer reporting agency which is a violation of 15 USC 1681. This credit arose from a credit card which is supposed to be excluded from a consumer report. 
My account was sold to a third party without my consent or my permission. As a natural person/ private individual, how can a corporation/ legal person sell or report my private information to a third party without my permission or my consent? Without consent it is Identity theft. 
Capital One have violated my rights as a Federally Protected Consumer several Federal laws under 15 USC 1692 & 15 USC 1681 have been violated.
Product: Student loan

The lender is completely unwilling to make any adjustments to my interest rate to make my payments more affordable. They use a third-party service called XXXX to collect on the loan when it becomes a day late and that service helps me with a payment that is more affordable but the main lender refuses.
Product: Credit reporting

I have sent many of the same and to date, not a thing has been done. I am now wondering why these governmental agencies are put in place if they do not help the people. Let me try again. Perhaps I will reach someone with integrity who is astute enough to make the necessary corrections. Experian credit bureau is totally 100 % out of compliance. The statue of the credit bureaus negligence should be enforced. I have in my possession a copy of the disputes and the items that were deleted. Experian for some reason wants to put these items back on my report. My intelligence and the statues of the FCRA and FTC states that can not be done. Once an item is removed, it stays removed. Can someone please answer me and tell me why these items have allegedly come back out of an investigation and they now remain. For your viewing pleasure, I have attached a copy of the documents sent to Experian. Being the the CFPB does n't do much, I am not confident I will receive resolution by filing a complaint here. Every complaint in the past with which I know other people in the general public have complained about to have gone unanswered or ignored. The accounts in dispute are the same ones that have been in dispute since XXXX. Also, Experian changed the date of my fraud alert and freeze alert from XXXX to XXXX! I believe I made a complaint in regards to the same and yet again, nothing has been accomplished. I is the worst thing to deal with a government agency that could care less about the citizens of America. Evidently, with the latest events being the election, it can only get worse. My complaint is with Experian credit bureau, items that were previously deleted are now showing again. They have been provided documentation that they are lying and saying they never received. I mailed them and also e-mailed them. I am not confident that this will remedy the situation. I have filed complaints about XXXX XXXX XXXX which were 100 % ligament complaints referencing all the money stolen from my personal bank account. A package was mailed as proof the the CFPB ... ..Nothing got resolved. The OCC decided they would n't take my evidence into consideration whatsoever. It 's all about the corruption in the government entities. In every aspect. XXXX stole thousands on top of thousands as well ... .Again, nothing done. I know for a fact several people have filed complains against all XXXX of these companies and of course nothing enforced. I often wonder why statues are made. They in no way take precedent over anything! Experian needs to fix my report immediately and provide a new report. I also request my freeze lift code and they never mailed it to me. America ... land of the free and home of the brave ... ... not in my world
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts are not accurate and should be removed : XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX XXXXXXXX late payment account XXXX XXXX XXXX XXXX late payment account XXXX XXXX  ( Original Creditor : XXXX ) XXXX collection account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX charge off account I believe that these accounts were reported inaccurately and are damaging my credit score. I have attached supporting documents that show these accounts are not accurate, and I request that you investigate and correct these errors immediately. 

I also request that you provide me with written confirmation of the changes made to my credit report, in accordance with the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Bank of America Premium Rewards Credit Cards has a {$100.00} " Airline Incidental Statement Credit '' benefit. Per their terms and conditions : " Qualifying transactions are those purchases made on domestic-originated flights on certain U.S.-domestic airline carriers that include : preferred seating upgrades, ticket change/cancellation fees ''. 

XX/XX/2020 : 2 charges were made on the credit card for {$120.00} each with the description of " XXXX XXXX XXXX WA '' and " XXXX XXXX XXXX WA ''. These charges were ticket change fee per XXXX XXXXXXXX. 

XX/XX/2020 : As of this date, the {$100.00} had not posted to the account. I contacted BoA and requested the benefit be applied. Claim number : XXXX. Rep name : XXXX. They stated they would investigate the issue and provide a response in 7-10 business days. 

As of XX/XX/2020, BoA has yet to resolve this issue.
Product: Mortgage

Applied for forbearance. Haven't missed a payment in XXXX years. During the process they hit me with a late payment on my credit. 
Lender is BB & T
Product: Mortgage

On XX/XX/XXXX when I was making a payment over the phone for my mortgage, the servicing company ( Specialized Loan Servicing, LLC - SOS ) offer me a 3 month deferral payment because I was on the affected zip code area in XXXX. First they told me to just not pay for three months, that it sounded very odd to me, when I called again and again, they always gave me a different answer. Finally on the 12th call, they told me I needed an approval from the bankruptcy court authorizing the to grant me deferral program. My attorney went to court and got approval by the court and send it to them. I didn't pay for three months and on XX/XX/XXXX, made my first payment and so on, until this date. Now they are taking me to court and saying that am 3 months behind payments, because they never signed an agreement with me. After trying to find a solution and explain that I was affected by the Hurricane, they offered me a 6 month re-payment plan ( for the 3 unpaid months ) wish I agreed, but now they are not sending me the agreement of the repayment plan and are taking me to court. 
I do not think is a fare way to deal with a customer and I do not believe I have done anything wrong other that believe their word. 
What options do I have than to take them to court and I do not have the funds for an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters and spoke over the phone with all three major credit bureaus, XXXX, Experian, and XXXX XXXX to reinvestigate these accounts : 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 XXXX However, all three credit reporting agencies responses were all the same, the company verified the disputed accounts and the results are complete and accurate and will remain on my credit report. 

How can this be possible if the accounts are closed if the open dates are over 7 years old and the open dates are all inconsistently across all three credit reporting bureaus, the last day of activity is incorrect and so much more is incorrect? According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 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. 

Also, they arent even in compliance with Metro 2 credit reporting. I have gathered evidence to prove my case.
Product: Credit reporting

XXXX XXXX is ignoring my numerous requests to investigate and remove accounts from my credit report that do not belong to me.
Product: Credit card or prepaid card

I took a {$1500.00} cash advance in 2016, now it is over {$2600.00} without any further advances.I called Bank of America and was told some confusing explanation about how they applied interest, which makes no sense. My cash advance should have went down as I have paid more than the minimum payment. The interest on the loan was taken out for both purchased items and cash advance each month, then the balance applied to the loan. There should be no case where interest should be applied to the cash advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX ( Collection ) account, XXXX XXXX XXXX ( Original Creditor : XXXX ) - XXXX ( Collection ) account and PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.