23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Due to identify theft, I feel behind on my loan payments to Chase Auto Finance. In order to protect my assets, I filed for bankruptcy in XXXX 2015 and included the Chase loan. In XXXX 2015, Chase repossessed the vehicle contrary to the stay issued by the bankruptcy court. While the vehicle was in their possession, the repo agent used it as his or her personal vehicle, got involved in an accident, and put their personal information in the onboard system. On XXXX XXXX, 2015, Chase contacted my bankruptcy attorney and told him that I could retrieve the vehicle as he had filed several Motions with the court. On XXXX/XXXX/2015, a friend and I went to retrieve the vehicle. We had to drive first to the repo agent to retrieve personal belongings and were hit with the {$100.00} fee to get the items back. I immediately called Chase and they called the repo agent 's office and told them that there were no fees to be charged. Then we drove to XXXX XXXX miles north to get the vehicle. While at the holding station, we learned that the full tank of gas had been used up, that there was damage to the vehicle, that the repo agent had put his or her personal info into the onboard system, etc. Thus began my more than 3 week odyssey to get my truck repaired, the keys reprogrammed and be paid for expenses related to retrieve of the vehicle. Since the vehicle had been damaged, the value of the truck had lessen and I am now under water on the truck. This does not include the fact that the damage to the truck has diminished the ability to sell the truck or trade it in at full value. I also put {$15000.00} down on the truck when I purchased it brand new.
Product: Debt collection

On XX/XX/2022, I found out that there is a collection on my report from XXXX XXXX for {$650.00}. I do not have an account with XXXX. I have tried to dispute this Item with the company and It was unsuccessful. I currently have a fraud alert on my credit file and I believe that this is an action of fraud.
Product: Debt collection

I enrolled in the University XXXX XXXX in 2010. They offered a one week trial and if you cancel within the first week you did not have a charge. I attended online and I canceled the program on Friday of the first week by calling the sales person for the University XXXX XXXX. As such, I do not owe them any money. They have now been reporting this bogus tradeline on my credit report and now my employer is giving me a hard time for this {$290.00} debt. They are wrong, their own records will show that I did cancel and did not go back online after the first week.
Product: Credit card or prepaid card

On XX/XX/XXXX I received my deposit of my pay from my XXXX  of XXXX on my Money Network card provided to me by my XXXX. On XX/XX/XXXX I went to XXXX on XXXX XXXX in XXXX XXXX CA to use the ATM and withdraw money to pay bills. I withdrew {$300.00}. I then went to pay my phone bills. Then home to meet my XXXX XXXX to get the XXXX XXXX done on my vehicle. The work on my vehicle turned into a allday process. On XX/XX/XXXX my vehicle was done and I decided to XXXX XXXX it. When I started my car, I saw the XXXX XXXX  was on. I drove to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ca. I went inside to get some cash from the ATM so I could get gas. Realizing I only had {$20.00} left from the {$300.00} I had gotten the day before. Due to the payment to the XXXX  for his services. When I requested to withdraw cash from the ATM. It showed I had a negative balance of $ XXXX. I was completely panicked and in shock! I had just gotten paid. I knew on the XXXX  of the XXXX I had ordered some things on line. I knew exactly the amount I spent and knew that there was a big problem. My money was missing. I immediately contacted Money Network. I explained my situation. I was told that there was a withdraw amount of {$400.00} in XXXX ca. On the XXXX at XXXX XXXX and XXXX XXXX XXXX. I said that was impossible because I am in XXXX XXXX and I have not been to XXXX, CA!! I was very upset. I called my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, it is not a duplicate complaint if I have yet to receive my request or answer to my complaints. Do you agree? I am requesting the credit report that was pulled in my name on XX/XX/2017. Can you, as XXXX XXXX, send or at least explain why you are not sending the credit report that was pulled in my name on XX/XX/2017? In addition, I am requesting why XXXX XXXX views the attached application is acceptable as complete when it is undated. Please answer. Transunion and XXXX, please answer if the attached application from your client, XXXX XXXX, is acceptable for you to supply my credit report to XXXX XXXX.
Product: Checking or savings account

My credit karma spend account was frozen on XX/XX/year>, with an amount of {$1200.00}, I have called the customer service severally and I was only told I will get an email, which I havent gotten anything and my account is still frozen
Product: Vehicle loan or lease

I am writing to file a complaint regarding the application of payments on my RV loan with XXXX XXXX XXXX XXXX XXXX which was picked up by Bank of the West. Specifically, I have noticed that recently all of my monthly payments are being applied to the interest, despite the fact that my loan agreement specifies that early payments will have the effect of reducing the final payment. 

What is odd about this matter is that initially the payments were correctly being applied to both the principal and interest. I then went ahead and made a few early payments and noticed the lender applied the amount to both the interest and principal. This practice appears to contradict my loan agreement which specifies that early payments will have the effect of reducing the final payment. 

I have contacted Bank of the West to request that they modify the payments so that a portion is applied to the principal and a portion to the interest, as outlined in my loan agreement. However, they have refused to do so. 

I believe that this practice is in violation of my loan agreement and may be causing me to pay more interest over the life of the loan than I should be. I would like to request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Bank of the West is applying my payments in accordance with my loan agreement. 

Please let me know if you require any additional information or documentation from me to support this complaint. 

Thank you for your attention to this matter.
Product: Debt collection

They call 5times a day 6days a week, also emails 7days a week.

Im pretty sure this is not legal. Also have the phone records for the 5-6 calls a day 6days a week.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I first contacted Zwicker and Associates P.C. in XX/XX/XXXX about my XXXX XXXX  going to them due to non-payment. I contacted them and set up a payment plan for XXXX months for {$100.00}. I had to contact them about a week later because my payment plan was not set up right the first time I contacted them. I never received any documentation for Zwicker and Associates P.C. about the debt other than the document stating thank you for your payment it has been processed. I did contact Zwicker and Associates P.C. on XX/XX/XXXX, to receive debt validation paperwork from them which I did receive on XX/XX/XXXX. 

When I have talked to Zwicker 's associates back in XXXX, the employees were rude and were pushy when I didn't agree to anything they stated. Not XXXX of them ever stated about sending me documents about the debt, they only wanted to get money.
Product: Credit reporting or other personal consumer reports

A few days before XX/XX/2022 I notice my fico score significantly dropping from an XXXX I called the XXXX Police Department on XXXX at XXXX with officer XXXX, XXXX ( badge number XXXX ) Case Number XXXX the charges are Fraud and information fraud. I just can't believe the XXXX XXXX, XXXX, Experian have the audacity to write back investigation results verified and updated.
Product: Checking or savings account

I opened an account via telephone with Navy Federal ( NFCU ) on XX/XX/XXXX. I deposited {$100.00} and distributed the amount between checking and savings accounts. I did not receive a debit card that NFCU claimed was mailed to me. There was fraud on my account with NFCU on or about XX/XX/XXXX. Someone deposited a third party check to my a/c and made several withdrawals. When I noticed I call NFCU and filed a claim. Subsequently, NFCU denied my claim and contended that there was no fraud and that I benefited from the fraudulent transactions. My accounts are now approximately {$1700.00} in the red which NFCU is insisting that I am responsible for. I made none of these transactions, nor did I authorize anyone to make any transactions with my accounts. I have not benefitted in any way from these fraudulent transactions, whether deposits or withdrawals.
Product: Checking or savings account

on XX/XX/2014 a fraudulent check was deposited into my account for XXXX I have since then tried to dispute it but no changes
Product: Student loan

took out student loan through American Education Services in 2007 and began repayment same year. I was XXXX XXXX XXXX when I initiated the loan. The amount I received was {$21000.00}. With the addition of an origination fee, my original balance was {$23000.00}. Over the past 8 years I have paid a total of {$18000.00}, never utilized any of my forbearance, and my current loan balance is {$21000.00}. I can no longer afford the {$230.00} payment and AES advised me that the only option I have is to place my loan in forbearance, as I have 12 months available. I do not want to do that as while the loan is in forbearance I will do nothing but raise the balance back up. I can only afford a {$120.00} payment. I additionally can not let the payment default as having good credit is a requirement from my employer. I have an unemployed wife ( student ), XXXX children, a mortgage, an auto payment as well as usual utilities and living expenses. I simply can not afford the payment and have been struggling for quite some time. The loan was too easy to receive and this is a prime example of predatory lending. I must have the payment dropped to {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX keep reporting I have late payments on a XXXX account with the account number XXXX the late payments are XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 I have never been late the account balance on the account is incorrect please update balance to account paid in full please remove all late payments from this account with Equifax XXXX and XXXX I was never late
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax lower my score by 61 pts, nothing shows in report negative.
Product: Debt collection

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Product: Vehicle loan or lease

FORD MOTOR COMPANY - FORD TEMPO XXXX XXXX XXXX XXXX WAS IN EXCELLENT CONDITION IN XXXX XXXX XXXX YEAR\. MINOR PROBLEM WITH CHIPPING OF XXXX XXXX  NEAR REAR DOOXXXX XXXX XXXX XXXX. I RECEIVED A PERSONAL LETTER FROM THE XXXX XXXX XXXX OUR DWELLING STATING THE VEHICLE WAS UNSIGHTLY. I REFUSED TO DISCUSS THIS, IT WAS A SLANDER AND A PERSONAL ISSUE ONLY. THE XXXX  WE LIVED IN UNDER A LEASE WAS SOLD WITHOUT NOTICE SHORTLY AFTER AND NO MONEY WAS RECOVERED ALTHOUGH THE LEASE WAS BROKEN BY THE XXXX XXXX XXXX XXXX, THE APARTMENT WAS SOLD WITHOUT NOTICE.. LANDLORD ON RECORD AT XXXX XXXX & XXXX XXXX XXXX XXXX WAS A XXXX XXXX XXXX XXXX XXXX RENT MONEY WAS PAID TO XXXX IN FULL. FORD MOTOR REQUESTED MY SOCIAL SECURITY NUMBER FOR VERIFICATION, VIN IS N/A. VEHICLE WAS STOLEN. SOCIAL SECURITY NUMBER IS XXXX. # XXXX. CAR WAS PAID FOR IN FULL. THANK YOU. COMPLAINT IS NO INSURANCE FROM AGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX AND RECOVERY PAYMENTS, REPLACEMENT OR SERVICE, OR ATTENTION TO THIS MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Follow-up Complaint Regarding CKS Prime Investments , LLC ( Complaint # XXXX ) Dear Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX to follow up on complaint # XXXX regarding CKS Prime Investments , LLC. The company has responded to my complaint by stating that the account in question was settled in full, and they do not participate in a " paid to delete '' strategy. I must inform you that this response is incorrect and misleading. 

During my conversation with a representative from CKS Financial on XX/XX/XXXX, I was explicitly told that if I paid the amount of {$210.00}, the collection would be removed from my credit report. I made the payment based on this assurance, but CKS Financial has not upheld their end of the agreement. Instead, they have reported the account as " settled in full, '' which still negatively impacts my credit. 

Furthermore, I have noticed that XXXX is currently showing the collection account as open, which adds to the confusion and misinformation surrounding CKS Financial 's reporting practices. 

I have come across numerous examples of other consumers who have experienced similar issues with CKS Prime Investments , LLC. These individuals have been misled, scammed, and negatively impacted by the company 's deceptive practices. It is evident that CKS Prime Investments , LLC engages in unethical and potentially illegal activities, which warrant further investigation by the CFPB. 

I hereby request the Consumer Financial Protection Bureau to investigate CKS Prime Investments , LLC and their shady business practices. Consumers like myself should not have to suffer the consequences of false promises and misinformation. 

For your reference, here is the context of my original complaint : I paid a collection from CKS Financial on XX/XX/XXXX for the amount of {$210.00}. During my conversation with XXXX of the agents, I was told that if I paid the amount, the collection would be removed from my credit report. It looks like a mark from CKS was later added in XXXX of XXXX after a payment of {$210.00} was made. I have tried to contact CKS Financial but they will not return my calls or email. 

I appreciate your attention to this matter and hope that you will take the necessary steps to protect consumers from CKS Prime Investments , LLC 's unethical practices.
Product: Credit card or prepaid card

I had my windshield replaced by XXXX XXXX XXXX on XX/XX/XXXX, I filed a dispute for {$500.00}. I believe on XX/XX/XXXX or XX/XX/XXXX because I did not receive a receipt or warranty information for the work. I did not recieve a receipt until XX/XX/XXXX and only after many phones calls and still did not receive the warranty information. In the meantime I discover that the windshield leaked and the wipers were hitting the side of the car. I scheduled XXXX XXXX XXXX to return and XX/XX/XXXX, to repair. They did not show up until after XXXX XXXX and it was to dark for them to work. I then rescheduled for XX/XX/XXXX, they were a no show. I have phone records where I tried to call, they blocked my calls. I have a total of 23 phone calls made to XXXX XXXX XXXX. My credit card was billed by XXXX XXXX XXXX XXXX the warranty information I received was from XXXX XXXX XXXX. 

On XX/XX/XXXX, I had XXXX XXXX XXXX XXXX replace my windshield they found the following problems, Left and right side outer moldings were bent and damaged, top passenger side area dented, top of windshield seal missing glue leak detected. glass was to close to frame, windshield not savable. 

On XX/XX/XXXX I filed a complaint with Bureau of Auto Repair ( BAR ) Tracking Number XXXX BAR is also investigating and finding a number of problems XXXX XXXX XXXX is not register with them, the XXXX or the XXXX XXXX XXXX XXXX. The address given XXXX XXXX XXXX, XXXX is XXXX XXXX and they claim they do not know anything about XXXX XXXX XXXX After much research discovered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX and XXXX XXXX XXXX is XXXX XXXX XXXX # XXXX, XXXX, CA not sure about the connection between these companies. BAR is investigating On XX/XX/XXXX, received a letter from Bank of America requesting documentation I replied thru their website. Since then they have given a number of excuses, such as I did not give the merchant a chance to fix the problem, I have phone records where I called 23 times. I had two schedule appt that he did not show. BofA needed a second opinion letter on letter head describing the problem I fax 2 letters ( see attached ) and now the the time frame is expired. They gave me the response date of XX/XX/XXXX which is a Sunday. The owner of XXXX XXXX XXXX XXXX was on vacation and I faxed the letter on Monday XX/XX/XXXX and again on XX/XX/XXXX Bank of America Case numbers XXXX and XXXX
Product: Checking or savings account

I thought I had an active checking account with BBVA Compass Bank. On XXXX XXXX,2017 I cashed a check for someone Ive known 30 years. However, the check was no good.On XX/XX/XXXX, I recieved a letter from the bank telling me my account had been blocked anmd I had 10 days to bring it out of the negative and to contact my local branch. I called the 800 number and told them the closest branch was over 120 miles away in Arizona and I could n't put the money in until my social security was deposited on XX/XX/XXXX. they said fine. On XX/XX/XXXX, I recieved a letter saying in adition to the {$12.00} charge I was being charged {$25.00} more for my account being in the negative10 days and I needed to bring the account in the positive to retain my account. On XX/XX/XXXX, my social security deposited arrived at the bank. I called them they said they closed my account on XX/XX/XXXX that they were going to deduct their fees then i could go to the local branch in 10 days to get the rest of my money i explained how far the branch was and they said they would keep it opened they told me to call them back Monday XX/XX/XXXX, on XX/XX/XXXX, i got 2 lettetrs from the bank saying their was a additional {$25.00} fee for the account beoing in the negative for 20 days and TO CALL THEM AND MAKE ARRANGEMENTS OR THEY WAS GOING TO CLOSE THE ACCOUNT. I called them Monday and asked why they would send me letters like that when they already closed the account. They said it wasnt their department and I had to wait 10 bussiness days for them to send my direct deposit from one side of the bank to the chargeoff before they would refund the remainder of my money. i asked what happened about going in the branch and getting it. They hung up on me when I called back asking how they could take money on a closed account lie to me telling me they would keep it open and then send me letters saying it waS OPEN WHEN THEY KNEW THEY HAD CLOSED OIT THEY TOLD ME THEY WOULD MAIL ME THE REMAINDER AFTER THEIR FEES WHEN THEY GOT AROUND TO IT I SAID THEY HAD CHARGED ME TOO MANY FEES BUT I COULDNT POINT THEM OUT BECAUSE I COULODNT SEE MY ACCOUNT THEY SAID I HAD TOP TAKE THEIR WORD ON IT AND THEY HUNG UP ON ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$860.00}