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

To Whom It May Concern, I am writing you in complaint about Audi/VW Financial. I was directed by OCCC to CFPB because of the nature of the loan. I have a lease for 36 months thru Audi Financial. The price of the car was about {$70000.00}. In which I preceded to put {$12000.00} down upfront to get the payment to where I felt comfortable. In all leases there is a total amount due. Usually closed ended leases calculate that as the total of remaining payments ( including interest/deprecation ). Open-ended leases are different story. In my case, ( closed-ended ) I have had this car for 12 months and was hit by a old lady with only liability insurance. Obviously her insurance company did not cover the entire cost of the car in which my insurance, XXXX, covered under underinsured driver. I problem here now lies that Audi gave me a payoff on the lease of {$50000.00}. My insurance, in which I was not at fault and currently suing the other party for injury, is paying out {$54000.00}. Audi financial is stating they are to keep the overage in payoff. I have spoken to 3 supervisor in Audi total loss department and none of them could answer the question Why? I am in the car finance business. I work with both XXXX and XXXX XXXX, which is XXXX XXXX. Nobody in either total loss department could understand why Audi is refusing to give the money back. I reach out to you in hope that I can get some type of help in resolving this problem. I feel that regardless of the car being leased or financed if there is an overage in payoff, paid by insurance carrier would go back to the insured. Reaping the benefit of my good insurance. I do not believe it is lawful for Audi to keep that money. Because where I stand I am getting total screwed by both Audi and the old lady that hit me. XXXX has stepped up to help but their hands are tied. please contact me at the information below. 

XXXX XXXX XXXX XXXX the lease thru Audi is in my wife 's name XXXX XXXX XXXX Audi acct # XXXX payoff {$50000.00} insurance {$54000.00}. 
total diff {$4100.00}
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 
I want the CFPB to publish this
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigating of disputed information on my credit report, leaving inaccurate or unverifiable accounts. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, XXXX, & XXXX has neither corrected nor removed disputed account XXXX XXXX from my report. This account has been paid & closed. I am requesting immediate corrective action to remove this account. XXXX, XXXX, & XXXX inactions are violating federal laws and my rights as a consumer.
Product: Vehicle loan or lease

I went to XXXX XXXX XXXX in XXXX XXXX in Michigan. This was my first time financing a car and they made me comfortable only for me to realize they took advantage of me later on. They didnt give me a lot do options to choose from, then pressured me into getting the expedition. I got approved for {$260.00} a month, {$500.00} down on an XXXX expedition on XX/XX/XXXX through credit acceptance. All my paper work showed that i will owe about XXXX and they told me after 6 months i will be able to get a better car. On my credit acceptance account it had showed I owed almost or even more than XXXX. On XX/XX/XXXX my car started to show signs of it about to break down. The engine light came on and it never drove the same. Mechanics told me I didnt even have a water pump. They told me my vehicle was horrible and shouldve never got it. I called the car sales and told them repairs were {$1000.00} plus and they did nothing. Credit acceptance never answered the phone for me, only one time. That call they did not help me fix the problem at all so I have been stuck paying credit acceptance and now I am behind on payments on a car I cant even use. I have been out of a vehicle for months and I am only XXXX XXXX XXXX. My job cut my hours and Ubers are almost {$30.00} everyday to go to work. Nobody helps me and I am all alone. I need a new vehicle and I need credit acceptance off of my credit. I cant even save money to even try and better this situation because I have to spend it on rides to work. I went to multiple dealers trying to get help and they said i need cosigner due to credit acceptance loan. I have nobody to cosign for me at all I have asked everybody I know. Please help me with this situation with credit acceptance & please include XXXX XXXX XXXX for leading me into this horrible situation as well as credit acceptance. If you need my paperwork from XXXX, Im in the process of looking for it.
Product: Credit reporting or other personal consumer reports

EXPERIAN HAVE NOT REMOVED THE INTERNAL BLOCKAGE, PERSONAL STATEMENT OR THE UNAUTHORIZED ( 5 ) CREDIT INQUIRIES FROM THE CREDIT REPORT. MY CREDIT REPORT HAVE NOT UPDATED SINCE XXXX XXXX. IM ASKING YOU TO REMOVE THE BLOCKAGE. 
EXPERIAN HAS FAILED TO FULFILL ITS LEGAL OBLIGATION UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) TO CONDUCT A REASONABLE REINVESTIGATION OF DISPUTED INFORMATION ON MY CREDIT REPORT, LEAVING INACCURATE OR UNVERIFIABLE ACCOUNTS UNRESOLVED.THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIAN, ALLEGING SYSTEMIC ISSUES SUCH AS FAILING TO FORWARD CONSUMER-PROVIDED EVIDENCE TO FURNISHERS, ACCEPTING UNRELIABLE RESPONSES, AND FAILING TO ADEQUATELY NOTIFY CONSUMERS OF DISPUTED OUTCOMES .THESE FAILURES ALIGN WITH MY EXPERIENCE, WHERE EXPERIAN HAS EITHER CORRECTED NOR REMOVED DISPUTED ITEMS DESPITE THE EVIDENCE I PROVIDED, CAUSING ONGOING HARM TO MY CREDIT STANDING.I AM REQUESTING IMMEDIATE CORRECTIVE ACTION TO REMOVE OR AMEND THE DISPUTED ACCOUNTS AS EXPERIAN INACTION VIOLATES FEDERAL LAW AND MY RIGHTS AS A CONSUMER.
Product: Credit reporting or other personal consumer reports

Request for Assistance in Removing Unauthorized Accounts from Credit Report Dear Sir/Madam, I am writing to request assistance regarding unauthorized accounts that have appeared on my credit report without my consent, in violation of consumer protection laws. Specifically, I am invoking the provisions outlined

in 15 USC 6802 ( B ) of the Gramm-Leach-Bliley Act, also known as the " Opt-Out '' provision. According to this law, financial institutions are required to obtain consent from consumers before sharing their personal financial information with certain third parties. However, I have identified accounts on my credit report for which I did not provide consent for the sharing of my information. Furthermore, I believe that the inclusion of these unauthorized accounts on my credit report violates the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and fairness of information reported by credit bureaus. The unauthorized presence of these accounts not only misrepresents my financial history but also has a detrimental impact on my creditworthiness. I request the Consumer Financial Protection Bureau 's intervention to ensure that these unauthorized accounts are promptly removed from my credit report. Additionally, I seek your assistance in investigating the circumstances surrounding the reporting of these accounts and taking appropriate action to prevent similar occurrences in the future. The unauthorized accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and take the necessary steps to rectify this situation. 

Sincerely, XXXX XXXX
Product: Student loan

I have several private loans with XXXX XXXX now Navient. I called to lower my payments, my credit history and purchases were looked up without my permission unbeknownst to me. She then puts me on a brief hold, then she comes back reporting, '' Well you brought a car knowing you had to pay us '' and hung up. 
I did not give her permission to do this, she needed my permission to access my credit information.
Product: Debt collection

Never been to this place! I have insurance and when contacting the company was told my middle initial was a XXXX! It is not! Also contacted XXXX  and told I couldnt remove said name because it was tied to a collection! I do not have a D in my name! This is affecting my credit! Also violating HIPAA rights!
Product: Vehicle loan or lease

I went to a dealership back in 2021 to buy a used car. I allowed the dealership to run my credit and I was told the best option available to me for a auto loan was Wells Fargo at the time. I was desperate for a vehicle and decided to take the auto loan. Since I've had the loan I have come to realize that I have a extremely high interest rate. I have been making payments on time for 2 years now and would like to trade the car in. Unfortunately because of Wells Fargo extremely high interest I still owe to much for the vehicle and I am unable to trade it in for another. I am constantly receiving offers to refinance or trade in my car but once I mention the payoff amount I get denied because of the high interest. I would like to lower my interest rate to a average or fare rate or at least be allowed to transfer my loan to another company that is not taking advantage of hard working reliable people such as myself
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$120.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$98.00} ; XXXX XXXX XXXX  Balance : {$1600.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; 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: Checking or savings account

I am XXXX years. Wells Fargo has bee manipulating my account for several years. 
I have tried to get Wells to provide answers or proof of significant amount of money they withdrew from my account and claim to have paid out. Wells claim not have have the record and one document sent me is so redacted as to be unreadable. I am not writing about this because I believe the Bank is so inept and corrupt that it is useless. I have no more money to hire attorneys to chase after them so I decided to close my accounts. I did so on XX/XX/XXXX. 

Subsequent to my closing the accounts, I received a letter from Wells Fargo claiming that I owe them XXXX.. I immediately went in to the closest XXXX Branch to get an explanation. First I had him verify that my accounts were closed. He asked me how I closed them and I said on the same site that had been using for all the years at Wells Fargo. He said I needed to go into to a branch to do this. I asked him to please make sure these accounts are closed because I had long since stopped using the accounts, had cut up my debit and credit card, and owed no money to the Bank.. For over an hour I sat while the employee made calls to various people. 
Conclusion : Wells Fargo had been depositing other clients money into my account and they want me to pay it back. I went to my Branch and spoke with the Manager who tried to reach some officer at Wells with no luck. I have a statement showing several deposits were made into the account on XX/XX/XXXX. That is after I had closed my account with Wells and verified it the Branch listed above. I have the dates and names of those who I spoke with and met. 

A man threw a bunch of papers in the Hallway after asking my name. I found out this was a summons from attorney who represent Wells Fargo. I had been quite ill but I called and spoke to Attorney XXXX, XXXX and XXXX. I told her I could not afford to pay the amount. She had another attorney call me while she was listening. He what I'd be willing to pay, and I said {$100.00} per month. He asked my age, calculated the number of months it would take. 
to pay, said there is nothing more to say, then abruptly hung up the phone. I confirmed this when I said to Attorney XXXX who was still on the line : Did you hear he hung on me? She said " yes. '' I got out of my sick bed to pick up an Answer Form from the Court Office. Still quite ill, I completed the form, returned on XX/XX/XXXX after I left my Doctors Office and filed my Answer with the Court. I mailed a copy to the Attorney that same day. 

Today, XX/XX/XXXX, I received a notice from XXXX and XXXX that they had asked the Court to grant a default Judgement against me. The date of their filing is listed as XX/XX/XXXX. I called the Court and mine was the last filing on the docket. The Hearing Date is set for XX/XX/XXXX. 
I am seeking your help. I have the paperwork to ; prove did nothing wrong and do not believe that I owe Wells Fargo any money. 
I submitted this on the web site also. 

Please help me
Product: Credit card or prepaid card

Citibank has failed to provide a credit for a dispute in my favor. 

Credit card balance has been paid in full every month. 

BDA = Billing Dispute Agent XX/XX/XXXX Billing dispute initiated with Citibank regarding charge for {$2000.00}. Charge was on XX/XX/XXXX. 

XX/XX/XXXX {$2000.00} conditional credit issued ( according to monthly statement ). 

XX/XX/XXXX {$2000.00} conditional credit reversed XX/XX/XXXX {$500.00} conditional credit issued. 

XX/XX/XXXX I call customer service and asked to be transferred to the billing disputes department about an existing dispute. Automatic message answers and says the dispute was judged in my favor. Says {$2000.00} credited to my account. However, only {$500.00} has been credited so far. 

XX/XX/XXXX Call billing disputes regarding {$1500.00} credit not yet posted. XXXX from billing dispute says she will forward to supervisor and contact me same business day. No response from XXXX. 

XX/XX/XXXX No contact. 

XX/XX/XXXX XXXX states via voicemail that she has not heard anything back from supervisor but the information has been passed to them. 

XX/XX/XXXX I call to get an update. BDA says supervisor started looking into the case XX/XX/XXXX. 

XX/XX/XXXX BDA says credit will be issued in 2-3 business days. 

XX/XX/XXXX No credit issued. BDA says they will forward to supervisor. 

XX/XX/XXXX BDA says they will notify supervisor and to wait " a few days '' to receive a response via secure message. 

XX/XX/XXXX No response received. XXXX initially spoke with XXXX. Asked to be transferred to supervisor. Supervisor XXXX takes the call. XXXX says he will email a contact rather than place a general request for the issue. XXXX says he can not approve {$1500.00} because it's " a large dollar amount. '' XXXX 's contact is to e-mail me regarding the credit " in a few days. ''
Product: Debt collection

I discovered from the car dealer finance department on XX/XX/2023 while trying to purchase a reliable vehicle for myself for XXXX that I had a collection on my account an past due. So since 2023 I have been trying to resolve this fraudulent issue of the PayPal credit card being opened up in my name illegal. I have been back an forth with the XXXX XXXX XXXX company advising them this a fraudulent account that they reported to the credit bureaus affecting my credit an it need to be removed asap. If I had not purchased a vehicle I would have never known this was on my credit and this has been affecting my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. $ 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. $ 1681c ( a ) ( 4 ) ), Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history that shows monthly and late payment as well. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you kindly.
Product: Debt collection

I have XXXX collections showing on my credit report from Wakefield and associates. I have tried several times to communicate with them once on XXXX and once on XXXX that those collections are inaccurate there is XXXX collections for XXXX there is XXXX collections for XXXX also XXXX for XXXX. I have submitted info multiple times that those XXXX collections Are fraudulent and I want them removed from my credit report. They are showing as closed accounts and that is incorrect they were never my accounts to begin with please remove all Wakefield and associates accounts from my credit Report.
Product: Bank account or service

This complaint is targeted to a program advocated by CitiBank. 
Per my friend 's recommendation, I applied for a Citigold checking account owned by CitiBank following the link on the internet in XXXX. The promotion advertisement listed the following conditions : 1 ) Open an account with CitiBank. Deposit money. 
2 ) Make payment for ( 2 ) consecutive months 3 ) Make a purchase worth {$1000.00} As a result, we will be offered XXXX points. Meanwhile, Citi will charge my account {$30.00} per month for three months if the deposit is less than certain amount ( Maybe {$50000.00} ). 
The application was accomplished in no time with a promo code. Money was deposited. Payments and purchase were made. At the XX/XX/XXXX, I called Citi to inquire about the status of XXXX points and was informed that I had met all the requirements and the claim had been setup while the process would take up to three months to complete. XXXX XXXX is the date I should call back for the final result. 
On XXXX XXXX, I called to follow up. After spending more than half an hour waiting and explaining, I ended up with a lady who said she needed to confirm some information with someone and would call me back in one hour. I waited and waited and waited ... 
After more than two hundred and forty hours of waiting ( long wait, is n't it? ), I knew nobody would call me back and realized it was a scam from first place. On XXXX/XXXX/2016, I logged on to my online account, ready to request to close my account, only to find out that Citi started to charge {$30.00} since XXXX/XXXX/2016. Shocked, I had an on-line chat with a Citi representative, who helped to start an investigation which was supposed to complete in several business days. Hearing no further result after five days, I chatted again with another Citi representative to accelerate the process. This time, a document was received to promise a result in 24 to 48 hours. 
After two days with nothing coming, I chatted for the last time with a Citi representative. Not to my surprise, I was given an excuse that the promo was offered to targeted customers while I was n't. What? Are you kidding me, dude? Then why did you put an advertisement on internet and gave me a promo code? Nothing had been fulfilled except charging me {$90.00}? 
The conversation ended unpleasantly. I ordered them to close my account instantly, meanwhile, warned to file a complaint to CFPB. 
My request to solve the issue is either citi should award me {$50000.00} XXXX points or refund me {$90.00} and apologize for wasting my time.
Product: Credit reporting

I called XXXX of the credit companies and requested it be sent by mail. That was two months ago. How can a person prove that when all I talked to was a computer?
Product: Credit reporting or other personal consumer reports

I, recently reviewed my credit report and noticed a child support account from XXXX  is infecting my credit score and keeping me from getting credit cards a house and loans and everything else, this account is really affecting my life, keeping me from supporting my family. Under U.S. Code 1681s-1 Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which ( 1 ) is provided- ( A ) to the consumer reporting agency by a State or local child support enforcement agency ; or ( B ) to the consumer reporting acency by any local, State, or Federal Government agency ; and ( 2 ) antedates the report by 7 years or less.please remove the following items from my credit report, immediately Account Name : Child support enforcement.
Product: Checking or savings account

When trying to open an account, I am unable to due to information on my XXXX XXXX report which I have disputed but shows accounts that have been closed and not paid however all debt has been paid and I owe nothing to those previous banks