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

I bought a XXXX XXXX XXXX through Kia Motors Finance. On XX/XX/XXXX my car was hit by a drunk driver. My insurance company XXXX issued XXXX XXXX a check to payoff the loan. The total amount of the payoff loan was {$15000.00}. And I have a copy of that Check. On XX/XX/XXXX XXXX helped themselves to an additional car payment in the amount of {$350.00} out of my checking account. Which is 100 % theft. First they claim they didn't have the check ... Then they claimed it was sent to the wrong address, which is NOT TRUE. I verified that with an Agent at XXXX who has been in total loss for decades and she told me that's a flat out lie and that the address they used is the same one they have used for years. This Agents name is XXXX XXXX. 

P : XXXX F : XXXX XXXX : XXXX I have called XXXX XXXX five times in the last 24 hours trying to get resolution and all they do is lie, deflect and blame Esurance. The Customer Service Supervisor that I spoke with at Kia Motors Finance is called XXXX. When I ask him a simply question about " their time schedule '' and their " process '' for processing the check they already have from XXXX, and refunding my {$350.00} they refuse to give me answers .... This has caused an enormous financial hearthache on me, as I already took a big loss with my car getting totaled. 

To sum up, XXXX XXXX has admitted they have they payoff check from XXXX, they are basically refusing to process that check and stole an additional {$350.00} from my autopay and refuse to refund my money ... I believe this is unethical, deceitful and illegal. 

Strangely enough XXXX told me yesterday that here seemed to be another account I have with them ... which is very strange ... But there were also issues early on with an incorrect VIN number. I had ONE LOAN and one car ONLY. Some how I found the second account that I would like an explanation for ... XXXX ... What is this account? and why do they have me owing {$19000.00} ... KMF is a very shady company and I want explanations. 

XXXX XXXX. 
XXXX
Product: Student loan

I am a single parent and co-signed my daughters loan in 2010 with Sallie Mae. Her father co-signed subsequent loans. I just discovered this year that my interest rate is well over 11 % while her fathers is in the 8 range. We have similar credit histories and salaries. I feel as though I was discriminated against.
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report associated with XXXX XXXX XXXX ( Account Number : XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 7 ), credit reporting agencies are legally required to provide a description of the investigation procedures used within 15 days of receiving a consumer dispute. Despite my previous requests, I have not received sufficient documentation explaining how this account was verified or what measures were undertaken to ensure its accuracy.

Additionally, under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, all credit information must be accurate, complete, and transparent to protect consumer rights. The lack of clarity in the investigation process not only raises concerns about the accuracy of the reported information but also violates the fundamental principle of consumer protection. 

Details of the Disputed Account : Name of Account and Account Number : XXXX XXXX XXXX XXXX I kindly request the following : A complete description of the procedures used to investigate and verify this account. 
Any documentation, evidence, or information relied upon during the verification process. 
If you can not delete this account immediately due to verification issues, I request that you provide the required information in full compliance with the FCRA and TILA. 
I appreciate your prompt attention to this matter and expect a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Money transfer, virtual currency, or money service

Back on XX/XX/year>, I had a withdrawal occur on my Paypal account for the amount of {$1900.00} that was transferred to another account ending XXXX, which is apparently a debit account from XXXXXXXX XXXX I contacted Paypal and tried to dispute this transaction as it was not authorized, but PayPal has been giving me the run around. They state that the account the money went to belonged to me, however I have never had any business or accounts with XXXX XXXX. I have checked my credit reports and XXXX and there is no account that was found. Paypal refuses to assist in this dispute despite my multiple calls and attempts.
Product: Credit reporting or other personal consumer reports

I have made several attempts to contact the credit bureaus and creditors to correct inaccurate items on my credit report, including XXXX XXXX, which is reporting inconsistent information. XXXX XXXX  shows discrepancies in activity, as well as incorrect dates for when the account was opened and closed. XXXX XXXX has inaccurate last payment information, amounts owed, and discrepancies in the date the account was opened. These errors violate my consumer rights, and their failure to comply with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws necessitates your intervention.
Product: Checking or savings account

I have an online savings account with BMO. I needed to transfer a large amount of my savings to another bank ( XXXX ) to put down a deposit to purchase an apartment. I looked up my transfer limits and learned that I have a XXXX XXXXXXXX daily transfer limit and a XXXX XXXX monthly transfer limit. So I made a XXXX XXXXXXXX transfer on XXXX XXXX and tried to make a second transfer for the balance ( XXXX XXXXXXXX ) on XXXX XXXX. The app would not allow me to make the second transfer because I had hit my limit. 

I figured it must not have been XXXX hours yet, even though it was the next calendar day, so I scheduled the transfer for XXXX XXXX instead. The app accepted the transfer request, but the next day ( XXXX XXXX ) I got an email saying that the transfer had been canceled because it was over my limit. 

I called customer service and explained that I had not reached my daily or monthly limits and could they fix it. The person I first spoke to said she couldn't and I should call back later and speak to the resolutions team, which I did. The resolutions team also could not fix the problem. 

They said the problem is that since XXXX transfers -- the only kind of transfer offered -- take 3 business days, I would not be able to initiate another ACH transfer until the first transfer was complete, at which point it would take another 3 business days. 

The customer service rep tried to arrange a wire transfer or emergency wire transfer for me instead, but was unable to do so because I do not live near a branch. 

It seems to me significantly misleading to describe a limit as " daily '' when in fact the limit is for every 4 days. While the customer service rep described the situation as rare, I am far from the only bank customer to engage in time-sensitive transactions.
Product: Debt collection

Telephone call, rude -- I think this related to my daughter but somehow they got my cell no. and called me ; I want no further contact with them
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00}, XXXX  Original creditor XXXX  XXXX XXXX  : {$18000.00}, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus 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 reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have the correct date of 1st delinquency accurately reported and disputed this several times. The results come back as reporting accurately from XXXX, although I keep providing the credit reports from the credit reporting agencies showing on their own report that the date of first delinquency reported is XX/XX/XXXX. 

This negative account should be removed from my credit reports on or before XX/XX/XXXX. 
XXXX reports that the date of first delinquency is XX/XX/XXXX, which adds years to the removal from my account which violates the FCRA timeframes. 

I would like this corrected so that the negative information will be removed per the FCRA timeframe in XX/XX/XXXX. 

I am providing copies of the letters and a copy of an XXXX payment history report dated today, XX/XX/XXXX showing the late charge assessment on XX/XX/XXXX, which corroborates the actual late payment. 


I am also providing copies of each credit report showing the first reported late payment on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, you all are supposed to assist especially if the credit bureaus are not doing their jobs and I am not understanding. This is my 3rd time asking for assistance with my credit and no one is responding back to me nor investigating my disputes.. The below items does not belong to me and I am trying my best to try and buy me a house but this negative debt is hindering me. Can you all investigate these items and either provide proof of my signature or delete them. Thank you. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1966
Product: Credit reporting or other personal consumer reports

I have recently paid off my Student loan debt and I need that to reflect on all XXXX Credit Bureaus. Below is the proof of Payoff not only from the IRS but XXXX XXXX themselves.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I sent XXXX Eth from personal wallet to Coinbase and bought XXXX btc. As soon as traded, I sent {$100.00} XXXX to same personal wallet as test transaction without problem. Then proceeded to send the remaining XXXX ( approx $ XXXX ) to the same personal wallet. That withdrawal was immediately blocked. I received this message : As a precautionary measure, to protect you against potential loss, we have limited your ability to send XXXX until XX/XX/year>. Please try again after this date. 

As a victim of the XXXX XXXX bankruptcy, I have no desire to leave my funds on a central exchange for a day, much less 2 months. 
XXXX XXXX reached out to Coinbase support and was told I would get a response in XXXX. 
I did receive a request to verify my identity which I did the same day. I had also previously completed XXXX  verification with Coinbase XXXX XXXX I reached out again and was told my case ( # XXXX ) had been assigned to a specialist and would be given priority. 
XXXX XXXX again reached out to Coinbase support and again was received this response : we're sorry for the frustration this has caused. We see that your case is still pending review. Our specialists are working diligently to resolve this issue as soon as possible. Your patience is appreciated, and we'll notify you as soon as we have an update. 
Every day that my crypto is left on Coinbase exchange, I am at risk for getting caught in another bankruptcy fiasco. The wallet address was used initially to receive the XXXX and has been used previously to send crypto off the Coinbase exchange without incident. It seems very suspect that Coinbase is withholding my XXXX in good faith to prevent fraudulent transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant XXXX XXXX XXXX XXXX by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Product: Credit reporting or other personal consumer reports

There are several items, including XXXX XXXX and XXXX that I am still viewing as delinquent, charged off, written off and/or potentially late on my credit report. I have made an excessive amount of attempts to resolve this with but obviously the credit bureau did not review the documents that I submitted to prove that these were PAID IN FULL. I requested that the written off, charged off, late and/or potentially late connotations were removed and was repeatedly ignored.
Product: Credit card or prepaid card

RE:  COMENITY BANKXXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX
                    FOR:  XXXX XXXX REALTAIL STORE CREDIT CARD ENDING:XXXX
HAD SAME ISSUES TWO TIMES:  I ALWAYS PAY BILLS ON TIME AND HAVE AN EXCELLENT CREDIT RATING.  COMENITY BANK IS DESTROYING MY CREDIT RATING.  PAID A BILL DUE XX/XX/19 $XXXX.   - I PAY MY BILLS DIRECT PAYMENT THROUGH MY CHECKING ACCOUNT WITH XXXX.  - PAYMENT NEVER WENT THROUGH.  I VERIFIED CORRECT INFORMATION.   GOT HIT WITH A LATE FEE.  NEXT BILL: NOW WAS $XXXX (LATE FEE TACKED ON TO $XXXX.  AGAIN, THIS WAS PAID ON THROUGH DIRECT PAYMENT XXXX CHECKING - SENT: XX/XX/XXXX, TO BE DELIVERED XX/XX/2019  .  AGAIN, COMENITY REFUSED THE PAYMENT, IT WENT BACK TO MY XXXX  ACCOUNT AND RECEIVED NOTICE THAT MY PAYMENT WAS: UNDELIVERABLE.  BEEN HAVING CONSTANT COMMUNICATION WITH COMENITY AND NO RESULTS - THEY WAIT TO TACK ON LATE FEES.  AS OF NOW, I SENT A CHECK IN MAIL TO COMENITY AND CLOSED THIS CHARGE ACCOUNT.    XXXX   XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp due to inadequate costumer service and unfair practices which violates the consumer financial protection act. Specifically Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the EFTA and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian letting them know that the addresses that are listed on my credit report are inaccurate. I included documentation of my correct address as well as two additional forms of identification with the letter. Experian completed the investigation but did not remove the inaccurate addresses.
Product: Mortgage

CitiMortgage informed me on XXXX/XXXX/XXXX that my mortgage with them effective XXXX/XXXX/XXXX will be transferred to XXXX XXXX XXXX XXXX ( known as XXXX. ) I already had a payment setup with Citi to pay my mortgage which had a due date of XXXX/XXXX/XXXX. CitiMortgage cancelled my payment to them on XXXX/XXXX/XXXX, they claim its because on XXXX/XXXX/XXXX they will no longer own the account. This meant that today XXXX/XXXX/XXXX I have a payment due to the new issuer XXXX. Today I received an email from them welcoming me and pointing me to their website. When I went to their website ( either via the link provided or through searching for it on the internet ) the website seems to either be non-existent or severely broken. Below is 100 % of the text on their website at XXXX : 502 - Web server received an invalid response while acting as a gateway or proxy server. There is a problem with the page you are looking for, and it can not be displayed. When the Web server ( while acting as a gateway or proxy ) contacted the upstream content server, it received an invalid response from the content server. I 've never been late on my mortgage and in fact pay double payments. I can not get anyone on the phone or connected through their website to make a payment. Furthermore I believe its highly inappropriate that CitiMortgage cancelled my payment which was due today on XXXX/XXXX/XXXX which has put me in this frantic mess.
Product: Credit reporting or other personal consumer reports

i have no knowledge of this account. i gave no one permission or consent to open any accounts. Please remove all of these accounts immediately
Product: Student loan

I had been paying on my student loan by automatic deduction beginning in XX/XX/XXXX. In XX/XX/XXXX I learned about public service loan forgiveness. I then transferred my loan to the Dept. of Education to be eligible for loan forgiveness in the future. When I spoke with a counselor over the phone explaining that I was making this transfer to be eligible for student loan forgiveness she suggested that I choose a repayment plan. I asked her which one was appropriate and she advised me which plan to choose. The repayment amount was less than what I had been paying. I chose this plan based on her advice and began making payments by automatic deduction. In XX/XX/XXXX I called Mohela, the loan servicer, to ask a question about loan forgiveness. That counselor advised me that my repayment plan was ineligible. She suggested a repayment plan that WAS eligible and I chose it and again began making automatic payments. The payment amount was consistent with what I had been paying originally. 
In XX/XX/XXXX I called Mohela with a question about the status of the public service loan forgiveness program and was informed by them that my repayment plan was ineligible. They suggested that I transfer my loan to the Federal Loan Servicing Program. 
Today, XX/XX/XXXX, I received an email from the Federal Loan Servicing Program informing me that my repayment plan was ineligible for public service loan forgiveness. They informed me today that I must choose a plan that is hundreds of dollars per month more than what I am already paying. After ten years of these payments, I will be eligible for loan forgiveness. In ten years I will be seventy-five years old. 
Had I not been misinformed by Mohela on two occasions since XX/XX/XXXX I would have been making eligible payments and be able to apply for loan forgiveness in XX/XX/XXXX. 
I hope there is a way you can help me rectify this.
Product: Credit card or prepaid card

American Express took it upon themselves to automatically opt me IN to paperless billing without my consent. Five minutes after they sent me an email notifying me of this change and after I responded by having to log into my account to again opt OUT I received another email from them telling me my current month paperless statement was now ready. I did not and do NOT request paperless statements and do not appreciate American Express forcing this on me
Product: Credit reporting, credit repair services, or other personal consumer reports

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and XXXX, and I am pleading with you to remove them immediately.
Product: Credit card

Bank XXXX unjustifiably blocks cards of law-abiding clients who strictly fulfill their obligations.

1. I ALWAYS paid off all my debts early. I usually closed my account balance at XXXX by the end of each month so that I would not be in debt. 

XXXX. Yesterday I suddenly received a notification that my account was blocked. After contacting support, I found out that they blocked my account allegedly because my transactions from my other bank did not go through ( allegedly due to an incorrect routing number ). But this is NOT TRUE - they gave an example of a transaction for {$16.00}, but at the time when they told me this, I saw a write-off in my XXXX XXXX checking account and confirmation that the transaction was successful!!! Today I logged into my credit card account again and saw that the funds had arrived! But the account is still blocked! 

I had a terrible feeling of unfairness - a client who always pays early suddenly receives a notice about blocking the card for a reason that is false. I had transactions that did not go through, but it was only in XXXX ( when I linked another bank and indicated an incorrect routing number ), BUT I unlinked the incorrect bank and linked XXXX XXXX, which works properly and in XXXX and XXXX the transactions were without problems. 

This is a very strange situation, ESPECIALLY considering that my credit card account is secured by my own {$1000.00} deposit. How is this possible? Why is the bank so careless and disrespectful to its customers? 

I am attaching a screenshot of my account in the Synchrony bank, which shows that all recent transactions were SUCCESSFUL, and unsuccessful ones were only in XXXX ( I described the reason above ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Equifax, and XXXX on XX/XX/2022. Here is the report number : XXXX, To remove personal information off my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people.

These are clear violation of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

Requesting the removal of below unauthorized credit inquiries : XXXX XXXX Regions Bk XXXX RegionXXXX XXXXXX/XX/XXXX