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

The repossession agency that you hired violated my rights and broke into my private garage and removed my vehicle ( XXXX XXXX XXXX ) on XXXX XXXX, XXXX. My garage door now has a hard time closing and I have to push it manually to closed it. Even then, the garage does n't close all the way down. 

To this date, I have not received ANY notices regarding the repossession of my vehicle or how I may go about redeeming my car. Nor have I received any notice regarding the potential sale of my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, i called Transunion to have inquires that i didnt authorized removed. I spoke with a US rep that was handling my request. As the rep was confirming the inquires beening removed, the phone call was disconnected. i called back and waited 23 minutes to get another US rep on the phone. i explained to him what happen and how the US Rep was deleting unauthorized inquires and could he continue. He stated that he could n't do it. Again, I explained that the other US Rep was in process of deleting theses unauthorized inquires. however, he didnt care. Needless to say, he did n't help me with what the other US Rep was more then willing to help me with. There 's 5 inquires from XXXX from car loans companies. none of theses compies had my authorization to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires were just posted to my credit report. I contacted XXXX XXXX for a auto loan and the XXXX dealer took my information from that credit report and submitted a deal to like 30 banks. These inquiries I did not authorize. 

XXXX Inquires Inquiry details XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX XXXX  Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank These are the Equifax Inquiries Inquiry details XXXX XXXXXXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2018 All Banks
Product: Mortgage

I have a XXXX mortgage with U.S. Bank. I had a loss of income due to a job loss. I needed to sell the house. Because the value of the house had fallen, I was upside down in the house. We had an offer to purchase the house that would leave a {$30000.00} shortfall. We asked the bank to work with us to either take less at close or lend the balance to me. I have been a U.S. Bank customer for over 20 years and have never missed or been late on any loan payment with U.S. Bank or any other creditor. Regardless U.S. Bank did nothing except ask for paperwork regarding the sale, my financial records, etc all of which I provided. U.S. Bank 's inaction over a 2 month period resulted in the buyer canceling the sale, since we could not provide a clear title. U.S. Bank refused to expedite my paperwork despite pleas from my attorney and me to make a decision so that we could lessen the financial loss to U.S. Bank and me. We presented XXXX solid proposals to the our assigned contact, filled out the paperwork correctly, spoke to a supervisor, all to no avail. U.S. Bank did not want to move forward on a simple {$30000.00} decision or provide any solution other than say they were working on it. Why did U.S. bank decide to harm themselves and me by taking no action. Now all parties will incur larger losses.
Product: Vehicle loan or lease

I was promised verbally, bc VW refused to agree in writing, that I would be able to reinstate my lease after payment. They did not honor that promise. My car was then repossessed on XXXX/XXXX/XXXX & the vehicle contained my work equipment etc. When I went to retrieve my belongings, I was told I had to pay {$150.00} to retrieve them, which I had to pay, in cash. Some belongings were also not listed & missing from inventory list. I was told by the repo company that this was VW policy & the law. I contacted VW, who  never responded. Then on XXXX/XXXX/XXXX I received a letter from VW credit that I owe XXXX, there was no detail breakdown included, & I was told that I would owe the remaining payments, along with repo fees etc. My remaining payments were possibly 6 payments, I ca n't get a hold of anyone who will talk to me about my lease, so I do n't have the exact information. My payments were approximately {$570.00}, so I am not sure why I owe so much. I believe my rights were violated by VW financial. Now they are threatening collection activity and have not responded to my written objection dated XXXX/XXXX/XXXX.
Product: Mortgage

Quicken loans contacted my father while he was XXXX and was not legally supposed to sign any documents. The documents were hidden from me and I found them when my father passed away. I advised quicken loans that he passed away and they told me I could modify or refinance my fathers house. I told them the house was not worth what the amount of the loan was. I had the house appraised in XX/XX/2016 and the house appraised for {$230000.00}. When quicken loans sent someone to appraise my fathers house, they used comps that were not comperable to my fathers home. They used comps not near my dads home and homes that were for sale and did n't sell yet. I opted to do a short sale on the house, quicken loans approved the short sale as well as the va. I have had nothing but headaches since my father passed with quicken loans. They did. A loan with a man that was XXXX, XXXX, XXXX and when I asked them how they could do that, their answer was if he can sign his name he can have a mortgage. Quicken loans is the worst place and I would never recommend them to anyone. What they did to my father was a predatory loan and is illegal. I will let everyone know what they did to my father and the home that was in our family for 48 years. They would rather sell the house to a complete stranger then to his daughter. They will receive less then the $ XXXX I offered.
Product: Bank account or service

i took out a student loan in XXXX for {$8000.00} from XXXX. after paying on this loan i still owe {$7200.00}. i filed bankruptcy in XXXX and was told could not file this loan because it was a student loan. am XXXX now and on fixed income. told could not do loan forgiveness because it was a private loan through Bank Of America. i have paid a total of {$7400.00} which all but {$200.00} went to finance fee, late charges, and something called int capitlztn. what can i do about this problem? can you help me with this. i have paid for 10 years and can not do it anymore due to my fixed income ...
Product: Debt collection

I am requesting to see the proof that I am actually responsible for this debt. I have yet to see it.
Product: Checking or savings account

In XX/XX/XXXX Upgrade.com was offering a {$400.00} promotional bonus if a customer opened a rewards checking account, made 3 debit card transactions, and opened a line of credit. I opened an account, completed the 3 debit card transactions and opened a line of credit as was exactly stated in the requirements. In the following months, I called Upgrade three times to ensure I completed all of the needed requirements to be rewarded the {$400.00} bonus and was assured that I did each time I called. It is now XX/XX/XXXX and I still did not receive this bonus. When I called customer service, I was told even though my line of credit was open, I needed to verify my account to actually open the line of credit. This was never explained to me and I was never notified of this needed verification. Anytime I logged in to my account, it would say my line of credit is approved ( which means I opened the line of credit ). Now Upgrade is saying it's too bad and too late and they will not pay the bonus. This is extremely unfair due to their mishandling internally on their side.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX i purchased XXXX $ 2x times following this deposit they locked my account and gave me the run around they asked me to send a picture of the card used for the purchase i did then they asked for pictures of my i.d and social once provided they stopped responding to my messages and you cant speak to a real person only a bot and when i did speak to someone they said my funds were still under investigation due to the dispute I filled against them with my bank but i lost it cause they said i made the transaction 3 years later they still ate saying the same thing and the investigation been over 3 years now my bit coin currently sits at over XXXX
Product: Credit reporting or other personal consumer reports

I would like to request a review and update all my credit reports in accordance with the information reported by XXXX, XXXX, and TransUnion. As of XX/XX/year>, XXXX have reported that i have no late payments on my account. I kindly ask that you update my credit report to reflect this accurate information, as it should align with the reporting provided by the above-mentioned agency. Please ensure that my credit file accurately reflects that I have not had any late payments and update it accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I scheduled the payments on time and they are reporting as late
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ct ] XXXX XXXX XXXX XXXX ] XX/XX/XXXX Customer Service Department Toyota MTR XXXX XXXX TX XXXX Subject : Request for Removal of Charge-Off from Credit Report, I hope this letter finds you well. I am writing to respectfully request the removal of the charge-off status reported on my account with you, which is identified as Account Number : N/A I understand that the account was charged off as of XX/XX/XXXX, but I would like to bring to your attention that I have made significant efforts to address the outstanding balance. Since the charge-off was reported, I have worked diligently to improve my financial situation and ensure that any past payment issues are rectified. 
I respectfully request that, in light of my efforts to resolve this matter, you consider removing the charge-off entry from my credit report. This will allow me to continue rebuilding my credit, and I believe it would be a fair and reasonable gesture, given the circumstances. 
As you may know, a charge-off on my credit report has a severe and lasting impact on my creditworthiness. I would greatly appreciate your understanding and cooperation in this matter, as I am committed to resolving any remaining balance and maintaining a positive relationship moving forward. 
Please let me know if there are any additional steps or documentation you need from me to facilitate this request. I look forward to your favorable response. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which underscores significant issues associated with the platform. Despite using Zelle on numerous occasions and reporting discrepancies, Zelle and my financial institution have not thoroughly investigated my claims. I was informed that the recovery of lost funds is unlikely and that tracking these transactions has proven impractical. The findings of the CFPB indicate that Zelle has failed to adequately protect consumers, permitting repeat offenders to exploit the system and leaving users vulnerable to scams. This troubling lack of accountability and transparency raises serious concerns regarding consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for my Comenity Bank/ Wayfair account. 
I want you to know that I understand my financial obligations, and if it werent for the wrong address that you had on file for which I called 6 months ago to have it change I would not have missed the payment ], My debit card was stolen so I got a new one and didnt remember to call the bank since I didnt receive any letter to my new address for the late payment. Since I found out that I am being late from the XXXX XXXX I called the bank right away and made the complete payment of XXXX  . So I dont have any remaining balance. I have an excellent payment record and have never missed any payments., Ive a spotless record of on-time payments. 

Im planning to apply for a auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent certified mail that was delivered on XX/XX/year> requesting that incorrect information on my Credit Report be removed. I have attempted to call but have no been successful in speaking to someone regarding my report. This is the 3rd attempt.
Product: Credit reporting or other personal consumer reports

My bank XXXX XXXX approved me for a car loan of {$15000.00}, which I had a check for to purchase a vehicle. I went to XXXX OF XXXX Address XXXX XXXX XXXX XXXX XXXX, OR XXXX on XX/XX/year>. I was asked for my personal information and I asked why? The dealer said we cant sell u a vehicle unless we run a credit report even though I already had a check for the vehicle. This was unnecessary hard inquiry on my credit report which made a negative impact on my consumer credit report. I also didnt receive no copies of signed documents from them of purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX CARD ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX
Product: Checking or savings account

I filed a claim involving numerous unauthorized transactions posted to my Capital One bank account ( acct # ending in XXXX ) dating back to XX/XX/2021 in which I became aware of in XXXX of XXXX While filing a complaint I was notified by the banks fraud department both verbally and in writing that I would receive a temporary credit to my account while the bank conducted an investigation into the charges. I waited over 30 days and still heard no word from the bank until I contacted them to find out what was happening. They then informed me that they would not be restoring my account. The explanation given to me was that there were valid transactions occurring during the fraudulent charges. I already tried to explain to the fraud department that the unauthorized charges I was disputing were occurring at the same time as automated payments that occurred without my card in my presence. They also mentioned that account logins happened from valid locations which I am still not responsible for. My card was used without my permission and I had no control over any access anyone may have had with my account. I was recently a victim of a security data breech as well, so that may have been a part of the overall issue of my information being accessed, but this was not a fair assessment to validate the transactions made without my authorization. As a long time consumer with this bank to be dealing with this type of disregarded and treatment is unacceptable. I believe they did not conduct a thorough investigation before deciding not to disperse my funds. No one in the fraud department has agreed to look further into the matter therefore I have filed a complaint through the XXXXXXXX XXXX  Attorney Generals Office for consumer fraud and not abiding to FDIC insurance claim. The complaint number on file with the XXXX XXXX  Attorney General is # XXXX and attached is the decision letter from Capital One bank which Ive included in my complaint file. The dispute numbers on file for the bank are # XXXX # XXXX and # XXXX
Product: Credit reporting

equifax fails to update my credit bureau report and does not notify me of any changes, additionally they fail to update my Score after I have no delinquencies. 
I continue to have OLD OUTDATED information and medical bills that do not belong to me not to mention wrong information on late charges they have not investaogated and failed to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an existing mortgage with USBANK, I have paid EVERY payment, I am current, but XX/XX/2021, I called USBANK to INQUIRE about my options with A.- refinance at a lower rate B.- modify to remove PMI ... AT NO POINT, I asked or AGREED to a CREDIT PULL of any kind, I was NEVER INFORMED that USBANK was doing a credit pull WITHOUT MY KNOWLEDGE or consent... 

and they lowered my score from XXXX very good, to XXXX just good... as a matter of fact I wanted to checks their rates, because I AM SHOPPING around for the best rates FOR ME based on a XXXX score!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) XXXX XXXX is claiming that I made a {$500.00} payment which I didnt make and now the ( 3 ) credit bureaus have moved the date of last activity forward. This is clearly a violation of the Fair Credit Reporting Act to make up payments that have not been made in order to move up the date of last activity. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Money transfer, virtual currency, or money service

Commencing from XX/XX/year>, I became entangled in a series of XXXX  investment scams. These fraudulent schemes involved me making card, wire, and XXXX payments, through intermediary platforms such as XXXX, XXXX, and XXXX. These funds were subsequently converted into cryptocurrency and transferred to the deceptive entities.
Product: Credit reporting or other personal consumer reports

Discovered multiple billing errors on recent credit review ; listed late payments arent consistent with usual payment history. Requesting update and corrections.
Product: Checking or savings account

XXXX IS TOTALLY DEFRAUDING ME WITH MY CHECKING ACCOUNT. THEY ARE STEALING MY MONEY OUT OF MY ACCOUNT. I CONTACTED THEM TODAY. XX/XX/2020 APPROXIMATELY XXXX XXXX  ARIZONA TIME. AND THE LADY WAS ON THE PHONE ASKING ME FOR MY INFORMATION. MY ACCOUNT NUMBER THAT IS : I PROVIDED TO HER ON THE PHONE. AND SHE SAID TO ME ... THE ACCOUNT NUMBER ISN'T WORKING. I SAID, THAT IS MY ACCOUNT NUMBER TO MY CHECKING ACCOUNT WITH " U.S. BANK '' FOR OVER `15 SOME YEARS I WAS BANKING WITH U.S. BANK. THEY ARE STEALING MONEY FROM MY ACCOUNT ... ACCORDING TO DIFFERENT BALANCE SHOWS ON BANK STATEMENT UNSCRUPULOUS DISSEMINATION MY RECORDS SHOWING {$7700.00}. BUT, STATEMENT SENT TO ME SHOWING {$5000.00}. I AM AN ELDERLY SENIOR CITIZEN. THEY ARE DOING THIS TO ME FRAUDULENTLY SCHEMES AND FRAUDULENT ARTIFICE AGAINST ME AND MY HARD WORKS EARNING IN MY LIFE ... .I AM ASKING FOR A STRICT SCRUTINY INVESTIGATION PLEASE. MY DAUGHTER SHE'S A 4 YEARS COLLEGE GRADUATED. IS HELPING ME NOW AND THAN ... BUT SHE'S BUSINE WITH HER JOB AND HER FAMILY FUNCTION. I RESPECT MY DAUGHTER XXXX FOR THAT. SHE'S BUSY WORKING AND TAKECARE OF HER FAMILY. PLUS ; HELPING DAD WITH MY FINANCIAL SITUATION. Because I am getting older and older. But, God will inspired me of BAD THINGS PEOPLE ARE DOING TO ME, TO BE AWARED OF EVERY DAY LIFE ... THANK YOU FOR HELPING ME PUTTING A STRICT SCRUTINY INVESTIGATION TO MY HARD WORKED EARNING U.S. BANK EMPLOYEES ARE TRYING TO ROBBED ME AND MY BANK ACCOUNT. IS A TOTAL LAW VIOLATION. MY ACCOUNT # XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX i made a purchase to a merchant for services .however i did not receive the services. I contacted Chime to file a dispute to get my money back. Chime did not refund me my money Im being told i have to wait almost 3 months. I just want my money back.
Product: Credit card or prepaid card

I closed the credit card account on XX/XX/XXXX. 
I had a credit of {$1000.00} and I requested a direct deposit. 
I received the direct deposit into my checking account. 
From my point of view the case closed. 

Not for Citi : Citi had sent out a check over the same amount and charged {$1000.00} to my account. Citi paid out the credit twice? Why? I did not ask for that. 

I never received the check and I did not cash the check. 

On XX/XX/XXXX I called Citi and talked to a manager. 
She realized the mistake Citi had made and promised to cancel the check and reverse all charges. 

As of XX/XX/XXXX nothing has happened. 
I received a debt collection phone call on XX/XX/XXXX. 

It is important to me that nothing has been reported to the credit rating agencies. 
I don't know how I can verify that.