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

I have a XXXX XXXX lease from VWCredit bought in XXXX, California. My lease ended XXXX XXXX, XXXX. With my lease i had bought excess wear and tear protection for ( XXXX $ ) which covers damages upto XXXX . 

Fast forward ( during XXXX to XXXX ) : we had multiple incidents on our right side of the car in our XXXX XXXX XXXX parking lot. Next year : we moved to XXXX, WA and as the lease was getting over i had a series of questions with the VW credit folks. 

1 ] I was confirmed by 2-3 reps multiple times that my damages will be covered as the lease return pre-inspection report confirmed damage repairs of XXXX . This was also confirmed by the 3rd party  Pre-Inspection. I had clearly mentioned that i would like to keep the car incase the wear and tear protection does not apply to the car but i was confirmed that this will not be the case. 
2 ] Reps at VW dealership in XXXX ( XXXX 's XXXX of XXXX ) XXXX XXXX XXXX also confirmed that the damages will be covered by the wear and tear protection and you are safe to leave the car 3 ] When i got my first bill from VW after i returned the car, it came with XXXX $ bill and they missed applying wear and tear protection 4 ] Upon asking, they confirmed it missing so they send it to their wear tear protection department and after 20 days, i got another bill which reduced the bill by XXXX+ XXXX This got the bill to XXXX $ upon inquiring why the full was not covered : they confirmed that the 3rd party who looks into wear and tear feels like this was a one incident and hence will not cover full damage. 

It took me 3-4 phone calls to again check on the status and provided good amount of reasoning why the assumption of single incident was flawed and why the damages took multiple incidents but its still not working out. 

The rep offered me good will discount of another XXXX+ $ and pro-rated plan to pay XXXX $ a month. ( this was so nice of him ) But i think they are missing the commitment to resolve customer issue. 

I would love to get help on this and challenge the assumption that the damages were done in single incident as opposed to multiple one.  They confirmed if that's proved, the charges will be XXXX. The assumption is clearly flawed as a ) there is no symmetry on the damage on both the front and back sides b ) the damage in the center area near the doors has far greater intensity than any other areas, clearly suggesting that there were multiple occurrences. I am happy to send snapshots of the parking place where this happened more than 1.5-2 years back. 

Thanks for looking into this matter. Hoping to get your help to resolve this. 

Attaching photos front side, middle and back side as well as the parking lot area where the incident happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase a new home. In order to raise my credit score I have paid off my major credit cards. On XX/XX/XXXX I paid off my balance of {$5000.00} on my Capital One card. They are SO quick to report to the credit bureaus when a card is maxed out but if you pay it off? Well my statement date of XX/XX/XXXX/XX/XX/XXXX has come and gone and it is still impacting my credit score ... raising my home interest rate by 1 % point. I have tried to contact the company to no avail. XXXX took care of this right away. My score would go from XXXX to a projected XXXX. This is ridiculous.
Product: Credit reporting or other personal consumer reports

Experian has failed fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau 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 dispute outcomes. These failures align with my experience, where Experian has neither 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 account, as Experians inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

i went into the branch to make an international wire transfer. was informed their system was down but that i could easily make the transaction myself at home. i explained that it was for a lot of money ( XXXX ) and i was nervous about doing it myself. i was assured by the banker that it would be fine. i initiated the transfer that same day, XXXX XXXX XXXXXXXX i received a confirmation email stating that the transfer was underway. 2 days later i was informed by the recipient that the funds had not been transferred. i went into the bank again and sat down with a banker to resend the wire and discovered that my entire account had been frozen. The fraud department had not bothered to call me but instead just cancelled my transaction. when the banker resent the funds on the XXXX XXXX XXXX XXXX rate had changed and the transaction cost me an extra {$1800.00} to send the same amount that i had " sent '' XXXX days before. im asking the bank to refund me as there was no attempt to contact me on the day i initiated the wire. XXXX also sure steps could have been taken inside the branch on the day of my initial transfer to make sure it was not cancelled. possibly a simple phone call to the fraud dept stating that i was going to be making this transfer. the bank let me down and has cost me a lot of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TrasnUnion LLC and XXXX Credit Bureau are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact TrasnUnion LLC and XXXX Credit Bureau about their illegal behavior and have them comply with federal law and respect the rights of identity theft victims, such as myself.
Product: Credit card or prepaid card

On  XXXX   XXXX ,   XXXX  , I made a {$400.00} payment to Best Buy credit card services for a TV I had intended to purchase. I never bought the TV, and when I went to cancel the payment I set up through my bank, I missed the cutoff date by a few days and the electronic payment went out. I went to the Best Buy store in  XXXX  and they told me I would have to talk to their credit card people. Citibank handles Best Buy credit card services. I contacted Citibank at  XXXX , I believe it was in late  XXXX ,   XXXX  . They acknowledged the payment of {$400.00} and said they would look into it. I never heard from them. I contacted  Citibank  again in late  XXXX  and again, they acknowledged that I made the payment. The young lady with  Citibank  stated she would assign a case number and get back to me. Shje / Citibank never got back to me.     I mentioned to them that if they sent me a check, if it did not come as a check, I would probably have treated it as junk mail / another credit card offer and toss the envelope in the trash. The young lady I talked to did not state if they had ever sent me a check. The young lady asked me for my bank routing number and account number. I assume she wanted it for two reasons. To check if they had sent me a check and if it had cleared my bank, or to electronically pay me so I would not treat their mailing as junk mail.     I will be glad to give you more information such as my Best Buy Credit Card Account number, as well as my bank routing and account number, and a screen shot of my bak statement showing the payment I made to them for {$400.00}. My bank says they ca n't help me because a 60 day window has passed from the  XXXX  transaction date.      XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX , AR  XXXX  PH :  XXXX
Product: Debt collection

My wife and I was trying to buy a home and pay off anything that stood out on my credit report. I had a judgement against me that was garnished from my check for a year paid every week out of my paycheck. This garnishment was over according to the contract and the attorneys office that filed the claim against me informed me that I still owed XXXX. We was trying to close on our home in XXXX of 2015. They would not answer or return any ones phone calls or emails, letting that amount gain interest. After several emails and phone calls over the next few months we finally got a hold of these people to get the amount. It ended up being somewhere around XXXX since XXXX. They have withheld my own documentation from me for prolonged periods of time causing A LOT more money to be paid out than what was needed. These people are criminals.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX  banks with Truist Bank and on XX/XX/2022, XXXX wired {$100000.00}, through their XXXX XXXX System to XXXX XXXX ( the recipient ) a vendor in XXXX to purchase vehicles for our XXXX Project. The recipient bank XXXX XXXX is in the XXXX XXXX XXXXXXXX XXXX use the recipient account number and the swift code to do the wire. The wire went through XXXX XXXX. On XX/XX/2022, the wire was returned in the amount of {$100000.00} and the return documents says the originator of the wire was XXXX XXXX XXXX in XXXX and the invalid XXXX was used. XXXX never used the XXXX to do the wire and after several attempts to contact Truist, who gave the same explanation as the returned advise, XXXX  was unable to find out the real problem. Many attempts to Truist XXXX wire department resulted in waiting time of 20 to 30 minutes and one such call resulted in 1 hour and 15 minutes with no one answering the phone. Finally after XXXX XXXX XXXX threatened to complain to CFPB we were given several names which resulted in a phone number to some who finally told XXXX, the reason the wire was returned was wires to the XXXX XXXX XXXX is because only XXXX can be used to do wires. 

The problem is this should have been a flag for the Truist wire system. Why did it take to funds seven days to be returned to XXXXXXXX XXXX bank? Why did Truist no tell XXXX the real reason the wire failed and why is the XXXX number a dead end? Why was {$90.00} taken our of a wire that never went anywhere?
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, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15U.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 then 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumer USA showing incorrect account that they have written off
Product: Credit card or prepaid card

I have asked Kohls to close my account and take me off as an authorized user on my fathers kohls card. I have asked them to do this at least twice in 5 years. When we call Kohls they say i am not an authorized user. However they are reporting to me to the credit beauros as an authorized user. We called kohls today XX/XX/10 after pulling a credit report and they claim im not an authorized user. I need this escalated and resolved.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX. Charged {$730.00} XXXX XXXX. Charged {$440.00} The XXXX XXXX used all my available XXXXXXXX XXXX  Redemption Card dollars {$730.00} for room # XXXX and {$350.00} for room XXXX XXXX That left me with a {$84.00} credit card charge. However, the next day I noticed that my Chase XXXX XXXX credit card had been charged {$730.00} and {$440.00}. There was no notice from XXXX or the credit card company about the change in charges. My XXXXXXXX XXXX Redemption Card dollars are still missing. So, they took {$1000.00} from my rewards and charged my credit card an additional {$1000.00}. They told me they had system problems with the rewards dollars. It has been over two weeks with no resolution. How can something like this happen with no consumer notification and no fix to the problem caused by this company. How many other people have been impacted by this XXXX / Chase problem?
Product: Bank account or service

I opened several accounts with SunTrust Bank. When I returned back to the XXXX after several years to check on the accounts SunTrust Bank representative donot recognize any of the accounts ( one account was an IRA ). 
I have checked such websites XXXX. These accounts were opened in the late XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified via email alerts that an account for a student loan was opened in my name by all three of the credit bureaus. Following the directions on identitytheft.gov, I contacted all three bureaus to place a freeze on my credit reports as well as printing out current credit reports from each bureau. Both XXXX and XXXX were able to verify my information base on the information in both credit reports and place freezes on said reports. Equifax, however, was unable to verify my information and it was at this time that I realized that my birthday was inaccurately reported on their credit report. Furthermore, the information that they asked me to verify my identity was different than the information that I obtained as of printing out my credit report on XX/XX/2019. The last employer listed on the credit report I obtained from Equifax 's credit service was from the mid XXXX 's. I find it inexcusable that Equifax not only can not maintain accurate information on my credit report, but then does not provide current and accurate information when I request my credit report from them. This has cost me valuable time in trying to resolve a fraudulent account being opened in my name and with my personal information. Even worse, I have a credit freeze on my credit report through Equifax that is supposed to prevent accounts being opened without my consent.
Product: Debt collection

XX/XX/year> Portfolio Recovery Associates has entered a judgment against me and has attempted to garnish my wages for debt that has reached its stature of limitations.
Product: Money transfers

Bank of America has instituted XXXX, a feature that requires you to have a US cell phone to receive a text message in order to process certain transactions. The issue I am having is that I am currently living abroad, and hence do not have domestic cell phone service. This is preventing me from requesting wire transfers in excess of {$1000.00}, and thus can not pay my rent. Their solution is to send the money in XXXX separate wire transfers, allowing them to charge me {$35.00} twice for each transfer. In other words, by limiting my wire transfer amount ( in the name of security ) Bank of America is effectively doubling their profit. I have contacted them to have this feature removed, and they refused.
Product: Mortgage

In approximately XXXX my wife and I were notified by courier that we are late/in default on our payments and our home is in jeopardy of foreclosure, and we are {$18000.00} behind in our payments with late fees being accumulated daily. Our loan was with Wells Fargo and we had auto withdrawal every month. We were never notified by Wells Fargo of the intentions to sell the loan to another servicer or of the intent to discontinue our auto payments. Their customer service claims a letter was sent. Nothing was ever received. The first we heard of this was when we were contacted by XX/XX/XXXX 

XXXX XXXX XXXX agreed to a 3 month trial loan modification because this was the only option to stay out of foreclosure, which we did successfully and received a mortgage agreement for a rate of 5.25 %. The initial modification agreement showed it would be 4.25 %. We asked for a second review and were denied for an adjustment after the review. 

We have no intentions to default on our loan, nor do we have any intention ceasing making payments. We have always worked hard to keep our credit in good standing. 

XX/XX/XXXX is unwilling to correct our credit, or adjust the rate. There must be some sort of requirement that we were to be properly notified by Wells Fargo prior to cancelling auto pay or changing service providers. 

I have attached the response to our review request which we don't feel is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 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 or 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: Credit reporting or other personal consumer reports

Contacted and disputed XXXX  account deleted because it was not my account with all 3 Major US Credit Reporting agencys from XXXX XXXX XXXX XXXX. The account has not been deleted.
Product: Student loan

I made a balloon payment to my student loan with Nelnet in order to pay down the principal and reduce interest accruing on the account. This was done after my monthly payment had already been made. It was directed to be paid to principal only. Not only did they not follow instructions, but this months payments state that there is outstanding interest. I had called before I made the lump sum payment to verify that there was no outstanding interest amount on the account. I was told that there was none. I asked if my additional payment would be applied to principal only and was assured by the customer service person that I XXXX would be. That did not happen.
Product: Debt collection

My check is getting garnished right now, they have already taken out well over {$1000.00} for a debt they claim was over {$900.00} and I asked them to give me the account number that was supposedly mine. It was suppose to be a XXXX Account that I defaulted on and the debt collector who purchased the debt is Midland Funding. I have contacted Midland Funding and requested my account number associated with the debt. The account number they gave me has been verified by XXXX to not even be a XXXX Account number. XXXX has verified my actual account number and said the CURRENT DEBT HOLDER of my account is not even Midland Funding and the actual amount is only {$410.00}. I have already emailed and called Midland Funding and their lawyer who is representing them to request the bill of sale from whoever they purchased the debt from and just anything to verify that this debt even actually belongs to me, they have yet to verify anything.
Product: Checking or savings account

I noticed a {$2.00} fee on my statement in XX/XX/2018. I called and was told the only way i could make the change to move to electronic statements was online. I was given my on line ID and was told to log in. I tried to do that and was unable the system says it was unavailable. I told the operator told me he was sorry and to try again. I have tried several times unsuccessfully to log on to their online portal to make the change, each time i get the same message. They have now taken/stolen over {$20.00} from me. This seems like an unreasonable request to put on the customers of the bank.
Product: Mortgage

XXXX XXXX XXXX XXXX # XXXX SPS XXXX XXXX XXXX XXXX XXXX UTAH XXXX ( XXXX ) XXXX I HAVE PAID MY TRIAL DUES VERY TIMELY STILL, THE BANK REFUSING TO REMOVE FALSE FEES OFF MY ACCOUNT STATEMENT DATED XX/XX/2022 UNDER ACCT. INFORMATION {$45.00} UNPAID LATE CHARGES, {$120.00} OTHER CHARGES AND FEES. {$1.00} ESCROW TAXES AND INSURANCE {$0.00} CENTS, ESCROW TAXES TO DATE {$16.00}, PARTIAL PAYMENT FEE {$6.00} DESPITE NEVER HAVING ESCROW DUES ON MY ACCOUNTFROM DAY 1 AND I PAID MY FLOOD INSURANCE DUES VERY TIMELY NEVER LATE. I JUST NEED A CHANCE AS A XXXX XXXX VETERAN TO SAVE MY PROPERTY EVEN THOUGH I WAS BADLY FINANCIALLY IMPACTED BY COVID19 DISASTER THE COMPANY OVER YEARS REFUSE TO DELETE BUILT IN ILLEGAL FEES MY ACCOUNT SEVERAL YEARS NOW.