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

I have a car loan with Westlake financial. The car has been repoed an they have called me literally 10 times a day since the car was repoed and I have already explained my situation with them. Last night was the last straw for me with this company. Here is the email I sent them this morning to file a complaint for harassment about a guy that called me last night from their company : Last night I had a phone call with someone from collections name XXXX XXXX. His attitude and yelling at me about my car and my situation were unacceptable. I'm personally going through a hard time right now. I have became the primary caregiver for my XXXX XXXX XXXX grandmother who recently has XXXX  her XXXX. Needless to say between caring for her, my XXXX daughter, and my XXXX XXXX XXXX son. I have not been able to work as much and my car is now in a repo situation. When I received the call from this man with westlake financial last night I was very emotional and upset to say the least. Our conversation made me even more upset and in distress. The way he talked to me was offensive and I did not appreciate his tone. I was clear that I was not in a mind frame to deal with anymore stress. Finally after he argued with me about my car and claiming that I was requesting to defer XXXX  months of payment which I was not asking for, he transferred me to a new person. She was a woman who was nice and kind. I ask that you go back and listen to this conversation between XXXX and I. And also listen to the conversation between the female I spoke with last night and you will hear the world of difference between how he treated me and how she treated me. He was abusive in his tone and argumentative with me during a time when I needed a compassionate and caring person. I understand that my situation has caused my car to be repoed and for that I'm sorry, however no one deserves customer service like I experienced last night no matter of their financial situation. I was upset and I did yell, and cry and everything else, however his response to my stress was unnecessary and some of the worst customer service I have ever had in my life. I did not deserve to be treated the way he treated me. This situation with this car has caused me extreme emotional and mental stress and I'm trying to find a way to solve all of this. I have cried many nights over all that has gone and I've been able to sleep, his actions caused me even more mental and emotional distress. If you need more information regarding this please contact me at XXXX.
Product: Student loan

Im complaining about Gurstel Law Firm who is a collector. My XXXX  account loans were approved for discharge by the borrowers defense I filed in XXXX and was approved XX/XX/XXXX. Its now XX/XX/XXXX and my wages are getting garnished. I called XXXX who confirmed that I have no loans or loan balance any more and everything has been paid. They sent me an account summary once again confirming it. I never got any letters from this law firm about wage garnishment or and type of judgements against me. Ive called numerous times and keep getting the runaround and sent to voicemails after voicemails. Ive called so many times every day and am getting no where. Ive sent all documentation in providing my discharge approval along with proof of XXXX balance yet theyre still giving me the runaround and no answers to anything. Theyre taking over XXXX a month and I cant even pay my basic bills. Ive called federal education student aid and confirmed I dont have any loan balances as well and everything is paid and confirmed the borrowers defense was legit and I was definitely approved. Im at a loss of what to do at this point.
Product: Credit reporting or other personal consumer reports

As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. 

Your lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXXXXXX XXXX ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. Given your ongoing noncompliance, you are liable for damages caused by the continued inaccurate reporting. If these errors are not corrected within the next 15 days. 

XXXX XXXX Please remove any false accounts from my credit report to prevent future financial implications. I request your immediate attention to this matter, as my credit report greatly affects me. I expect only factually accurate, verified, and compliant data to be documented. 


XXXXTransunion are not evening investing my disputes. I want this account deleted immediately.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, the US Department of Education reported that Between XX/XX/XXXX and XX/XX/XXXX my Student Loan account balance increased by {$5300.00} from {$770.00} to {$6100.00}. This caused my score to drop with Transunion XXXX XXXX, XXXX XXXX points and XXXX XXXX points. The account should report the original balance on XX/XX/XXXX was for {$740.00}. At 3.4 % interest ( currently frozen to 0 % for XXXX XXXX administrative forbearance and no payments to date, the current balance shows {$770.00}. This is not only blatantly false but it has happened before but it has been impossible to track. Transunion, XXXX and XXXX refuse to explain, verify or rectify despite repeated calls and letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed a report with FTC for identity theft contacted credit reporting agencies and reported fraud experian, equifax, XXXX fraud alerts and security freezes added to credit reports disputes, personal identifiers, and FTC report mailed to credit reporting agencies they refuse to remove inaccurate information by using stall tactics
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned from  XXXX  in  XXXX   XXXX , and in an attempt to get an apartment I learned about credit cards that had been opened in my name. I was a   XXXX   XXXX   from  XXXX   XXXX  until  XXXX   XXXX , and then returned in  XXXX   XXXX  through  XXXX   XXXX  to teach  XXXX  and  XXXX  at   XXXX   XXXX   XXXX  .     - According the credit reports I have managed to obtain, all accounts were opened and used while I was in  XXXX . I filed a letter with each credit reporting agency and with the credit card companies. Several companies immediately resolved the issue and closed the account s - two have been re moved from my credit report and I believe the remaining accounts will come off soon, as they said they would be. I received a response from  XXXX  that they had no record of the account and then refused to continue any investigation ; additional letters only resulted in their sending me a package with all statements from the fraudulent account.     - The disputes came back from each CRA, including Equifax and  XXXX , with no changes. I have sent all CRA 's, including Equifax and  XXXX , substantial proof that I was living in  XXXX  at the time the accounts were opened and used in the United States. Regardless, Equifax and   XXXX   have not fully investigated the issue or accounts nor removed the fraud from my credit report permanently.  XXXX  only finalized this issue because of the complaint with CFPB because they realized they did not follow the law in completing the investigation. Equifax and  XXXX  are also not following the laws in credit reporting by not accurately and completely investigating the issue despite all of the documentation provided.     - Becoming hard-of-hearing as an adult and not able to use TTY service s ( or ESL ), i t is very difficult to communicate with the credit card companies myself. I send everything through letters or fax but those documents are not accepted as they will only " speak '' with me over the phone in order to validate my information.     - There are a lot of errors on my account, including names, addresses, phone numbers, inquiries, and credit accounts.     - I have again attached documentation of proof of   XXXX   XXXX   timeframe from  XXXX   XXXX  until  XXXX   XXXX  in  XXXX , police report, and FTC Affidavit.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX BALANCED {$5000.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$10000.00} XXXX XXXX BALANCED {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have no knowledge of this debt and would like it to be removed as it 's reporting to the credit bureaus and negatively affecting me.
Product: Mortgage

For the past several years, I have been paying Chase Mortgage bi-weekly mortgage payments ( ie $  XXXX  $  XXXX  {$500.00}  ) . However, in  XXXX   XXXX  I went to a local branch to pay my bi-weekly payment and was advised at that time that my account was locked and they could not process my payment. After speaking with teller and branch  manager at local Chase, a ll I was given was an  XXXX  number to call. After several attempts at calling the  XXXX  number, I was finally able to reach someone who advised me that my account was 120 days late. While they acknowledged that there were bi-weekly payments, it appeared they were not posted correctly. In my own admittance, I  may  have fallen behind due to divorce/court battle, but never 120 days past due. After several weeks of calls and messages, there was no resolution. In early  XXXX   XXXX , I agreed to  XXXX  bi-weekly FULL mortgage payments -- - the first payment to be applied to my regular monthly payment and my second to be applied to the 'late ' payment that they were showing. Since  XXXX   XXXX  I have mad e eight ( 8 ) FULL mo rtgage payments. However over the last several weeks, I was made aware th at Chase  is not only still reporting me 90 days past due, they are not applying my payments as previously agreed to. I was informed that part of the reason why was because I am not " specific '' on how I want my payments disbursed. After learning this, I specifically tell the branch teller " specifically '' how I want the payment posted. I learned this past week that I am not allowed to do this. I have been on the phone with escalations for the pas t 4 weeks and every time am told I would get a letter within 2 business days and a call within 24  hours. This has NEVER happened. I agreed to make double payments in an attempt for my  XXXX ,  XXXX ,  XXXX  and  XXXX  payments to be posted in full and on time ; and the extra payment made each month to be posted to what  Chase was claiming was late. This has not happened. Only to learn that the Chase representative was not allowed to tell me such a thing as they can not post payments that way. I am desperately trying to get pre-approved for a new loan in order to sell my house and move. Chase reporting is making it impossible for me to even get pre-approved for a small loan ( under {$100000.00} ) and thus making it impossible for me to move. I have done every single thing Chase  has advised me to do. I have called every single week for the past  4 weeks and been on the phone for close to 2 hours each time with absolutely no resolution. Every time I call, I get a different representative, a different story, a different thing I need to do. Chase has done nothing to clarify this issue. I need help in getting this resolved so that I can sell my house, pay my mortgage back to Chase  and get out from under them. They are making it physically impossible for me to do so. And again after my phone call on Friday  XXXX   XXXX , I have yet to hear from anyone in any form from  Chase. I need help. I have no documents to attach because despite repeatedly being advise I would get documents from Chase, I have received not a single one.
Product: Debt collection

They went into my checking account with no authorization after I paid them once and took additional money they took ; XXXX XXXX XXXX XXXX XXXX all on XX/XX/2016
Product: Vehicle loan or lease

I am at wits end with USAA, and as a 19 year member I have been treated unfairly. These people do not care about their members. Well the XXXX Americans members, I say that because from my experience and the neglect that Ive had to endure. There has been multiple situations where USAA could have come through to mitigate to lessen my damages but gave me the XXXX kiss and I strongly feel that if I were not XXXX-American I would not be going thru this XX/XX/XXXX, XXXX A traumatic injury on the job, my management falsified my records, to maliciously get my Workers Comp. denied. The denial costed me seven months with zero income. Finally got it approved XX/XX/2019 I did everything I could to communicate with USAA to work something out but not one person considered any thing and it was a straight up no and I was giving their XXXX to kiss. USAA would have lessened my damages to prevent service lapsing and out of all the calls out of all the emails, No one did anything and did not try to do anything gave me the XXXX to kiss. 

When the COVID-19 issue got to Georgia and my doctor gave me instructions and because of my chronic illness I am at high risk and if I contract the con virus I am at high risk for serious severe complications. I have given detailed emails I have spoken with people all way from the top to bottom These people still could careless and I get their XXXX kiss Still. 

My situation has nothing to do anything that Ive done but has everything to do with the process that I have to go through because others try to manipulate the system and misrepresent facts to unlawfully bring harm to me. 

USAA does not care about the members at least we are black XXXX-American. And I believe that due to my experiences. I could have been out of date long time ago into a better situation but if your bank that youve been with for 19 years and your father has been with this particular institution since he was XXXX years old cant give you anything something is wrong.
Product: Debt collection

The debt collector continues to call all my family members and harass them. They shared personal private information with family members and friends. I 'm embarrassed, and humiliated. Iv e asked XXXX repeatedly not to contact my family and she continues to do so. Iv e asked her to stop calling me and she continues to do so. I 'm unemployed and homeless. I live on the street. Please make it stop. I do n't know where else to turn. My name is XXXX XXXX XXXX. Email is XXXXXXXXXXXX and the debt collector number is XXXX ext XXXX. Thank you.
Product: Student loan

My student loans were serviced by ACS from XX/XX/XXXX to XX/XX/XXXX. The loan amortization schedule I have from those dates is Wrong and most likely criminal. Also in XXXX while I was XXXX  for my first child I was struggling to pay my loans. I was told at the time, that forbearance was my best option. Looking back this was a huge mistake. They carried this capitalized interest from the forbearance for XXXX XXXX years, which added {$10000.00} dollars to my student loans. I requested paper copies of the loan amortization schedule and received a few lines of useless information followed by mostly blacked out bars of missing information. It seems they were covering up for a huge fraud with incorrect interest application, or my student loans were somehow part of project blue book. I found some paperwork in my old files and went through the schedule and have found some incorrect, frankly predatory payment allocations. The principal of the loan was never being paid, only the interest for 7 years. The balance never went down it only went UP!
Product: Credit reporting, credit repair services, or other personal consumer reports

DateXX/XX/XXXX CompanyXXXX, XXXX XXXX XXXX, XXXX AddressXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, WASHINGTON, DC XXXX Request Originator DateXX/XX/XXXX CompanyXXXX, XXXX XXXX XXXX, XXXX AddressXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, WASHINGTON, DC XXXX Request Originator Has put hard inquiries on my credit report without my knowledge or approval. Tried to dispute it and they obviously provided some fraudulent paperwork to substantiate it. They have done this twice in the last two years
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX are all in gross violation of my rights as a federally protected consumer pursuant The Privacy Act of 1974 and FCRA. 
They continually report transactional history which is prohibited by 15 USC 1681a.

There are also several inaccuracies across all 3 bureaus which is in violation of 15 USC 1681. They have also failed to notify me of my opt out rights and are in violation of 15 USC 6802-6805 and 16 CFR 313.7. 
They are violating my privacy by making public my personal information via affiliates, non-affiliates and third party vendors plus allowing promotional inquiries. They are in violation of 16 CFR 433.1, 433.2, 433.3 " Charge offs '' are considered " certificates of indebtedness '' by the IRS and " certificates of indebtedness '' are considered income pursuant to IRS publication 4681. Therefore, XXXX, XXXX, and Experian are reporting my income which is not permitted. 

XXXX ( commission file # XXXX ) XXXX ( commission file # XXXX ) and Experian ( commission file # XXXX ) each stated within their own filings with the SEC that they would uphold the laws of The Privacy Act of 1974 and FCRA ( in addition to many other consumer protection laws ) and they are not doing so.
Product: Mortgage

I had a house fire in XXXX of XXXX XXXXXXXX XXXX is trying to complete my claim and pay off my house but Bank of America isnt complying and giving them the information that is needed.
Product: Mortgage

In XX/XX/2022 I obtained a mortgage with CrossCountry Mortgage. In the first month, they sold the loan to XXXX XXXX XXXX. I made the monthly payments as expected and did a principle payment, bringing principle balance down from {$330000.00} to {$70000.00} as of last month. Last month I was informed by XXXX that the loan was being sold back to CrossCountry Mortgage. I then started receiving letters from CrossCountry Mortgage saying that I had not made any payments, and that I owe them the original {$330000.00} plus penalties. I called them, and was told that they had started the processing on transfer too soon, and that someone would fix the account within 5 days. That was two weeks ago. I called again today and the representative said to contact loan servicing. Borrowers deserve better.
Product: Checking or savings account

I opened a checking account with Huntington Bank online on X/XX/2017, and my wife opened a checking account on X/XX/2017. My son transferred {$2000.00} each to my account and my wife 's account on X/XX/2017 from his checking account at XXXX XXXX. We tried to return the money to his account by transferring, but my account and my wife 's account were frozen. We were locked out of our online accounts, and had no access to our funds. I did contact customer service and was told that the accounts were under investigation for a possible fraud. I was also told in one instance that the remaining balance for my account was {$2000.00}. My son tried to transfer that money to his checking account on X/X/2017 initiating from XXXX XXXX, but it bounced back on X/X/2017 due to the freeze. This is reflected in the statements for his checking account, as is the initial transfers. Please see the transaction descriptions for corresponding account numbers. Finally, we closed my account with Huntington Bank on X/X/2017 and my wife 's account on X/XX/2017. We were told over the phone that the balance of the accounts would be sent to us. Attached are the letters sent to us regarding the account closures. For my account, the letter states that the remaining balance was XXXX. I received no money. For my wife 's account, the letter states the remaining balance was {$300.00}. A check for that amount was included. I 'm not sure how that amount came to be, but I suspect it had to do with the {$300.00} bonus for opening the account and depositing {$2000.00}. We have called Huntington Bank many times and even sent a letter. The people answering the phones have no idea on the situation, and we have never been allowed to talk directly to the fraud department, which also never contacted neither verified with us via any format such as letters, e-mails or phone calls. Every time we called, nobody has been able to tell us where the originally deposited money is or provide records of transactions in the accounts. We did not receive any statements until I sent a letter questioning where our money was. Those statements are attached here and do not include any time frame when money was deposited to the account or withdrawn. The one for my account reflects X/X/2017 to X/X/2017, and the one for my wife 's account reflects X/X/2017 to X/X/2017. Our accounts were n't even open during those periods, and we did n't have access anyway. Furthermore, the statements all the way from initial transfer to now for my son 's checking account show that no money has ever been sent there from Huntington Bank.