23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Tebo FinancialXXXX XXXX XXXX XXXX # XXXX, XXXX, OH XXXXXX/XX/2015RE : XXXX Chrysler PT CruiserVIN Number : XXXX On XXXX XXXX, 2015 I received a call from XXXX XXXX attempting to collect on the discharged debt. After calling Tebo Financial, they then stated they were prohibited by bankruptcy laws with regards to contacting us and collecting on a discharged debt. This is a clear contradiction. 

On or before XXXX XXXX, 2015 Tebo Financial authorized XXXX to repossess the XXXX Chrysler PT Cruiser, at XXXX XXXX XXXX XXXX, Ohio XXXX. On XXXX XXXX, 2015 this vehicle was recovered by XXXX. 

After the vehicle was repossessed on XXXX XXXX, 2015, I did not receive any legal communication required through Ohio Repossession code ( XXXX XXXX ), regarding my Rights to Cure. The vehicle was set to be auctioned on XXXX XXXX, 2015 without any notices sent stating the vehicle had been repossessed or the creditor 's intention. I did not receive a NOTICE OF OUR PLAN TO SELL PROPERTY or Notice of Default and the Right to Cure. 

In addition to these violations and non-compliance, I was not properly informed about my personal property left inside the vehicle. Tebo Financial failed to document properly and inventory the personal items left in the vehicle per Ohio repossession laws as well. 

At this time, a complaint with XXXX and Attorney General Office has been filed. I will seek sanctions through the Bankruptcy court within the coming week if a resolution is not promptly met. 

A refund of {$830.00} for recoverable charged fees will cause this matter to halt and not proceed with legal action. 

1. Loan Fees {$510.00}. Interest {$190.00}. Auction Storage fee {$91.00}. Personal property fee $ XXXXPlease feel free to contact to me with a resolution to this very time sensitive matter. 

Regretfully, XXXX XXXX
Product: Mortgage

I have sold my home and paid off my loan with Carrington in 2020. I need my past escrow statements but they are not sending them to me. The past 4 days I have been calling them, talking to a Customer Servis representative and each time they tell me it will be faxed in one hour.

I need those documents NOW. Just today I talked to a supervisor who promised their delivery, ASAP. 5.5 hours later, I still dont have them. This is a company that should not service people, because they are not capable. Theyd tell you what you want to hear, just to get rid of you. They dont have the digital technology in place either. Representatives are not able to pull data/documents, another department has to dig them out. As if they are still living in the 19th century and information technology has just been invented. 
I want my documents, that belong to me. Urgently!
Product: Credit card

Received an email stating my Bank of America Alaska card was closed for no good reason! I paid my XXXX bill early and they still tried to pull another payment causing an issue and then a notice out of the blue that my account was closed!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market for a new car and I was told to check my credit report before I went to the dealership. I checked my credit report and I noticed a few items that I didn't authorize. I've reached out to the FTC and to my local police department and I am doing this on my own behalf. Again these items are not mine and I need these items deleted from my credit report. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage loan on XX/XX/2018, early in the loan process I received a credit file alert that a new account ( XXXX Business credit card ) was reporting in my personal credit file of all three bureaus. I contacted XXXX disputing the reporting of a business account on my personal consumer report, they refused to delete it from my personal credit file. XXXX is unable to produce a consumer credit card agreement that I have acknowledged or signed that stated that they can legally report a business account on my personal credit report. Please note that the business credit card had been open a year and never reported to my personal credit file.I subsequently opened disputes with XXXX, Equifax and XXXX on XX/XX/XXXX and again on XX/XX/XXXX and XX/XX/2018. My disputes each state that XXXX is reporting the account as an " individual account '' erroneously as it is a business account and should be deleted. I provided a letter from XXXX of which it is clearly addressed with Company name. XXXX, Equifax and XXXX each stated after two investigations, XXXX has confirmed that their reporting is accurate. XXXX 's reporting is illegal and I need this blatant erroneous reporting of this account deleted from my credit file with XXXX, Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, account XXXXt # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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.
Product: Prepaid card

Subject : Complaint Regarding Expired Gift Card and Inactivity Fees XXXX  To Whom It May Concern, I am writing to file a formal complaint regarding the expiration and fees associated with a gift card issued by MyPrepaidCenter.com. This card was provided to me as a gift from the parents of my students and has caused significant frustration due to unclear policies and improper fee deductions. The gift card was issued to me in or around XXXX of XXXX. 

Here are the key issues I have encountered : 1. Customer Service Issues : The customer service number provided does not offer clear options for requesting a replacement card or addressing expired cards. This makes it nearly impossible to resolve issues or seek assistance in a timely manner.

2. Website Navigation and Terms & Conditions : The website is poorly designed and difficult to navigate.
Finding the terms and conditions specific to my gift card was a frustrating experience. The lack of transparency regarding inactivity fees and expiration policies adds to this concern.

3. Improper Deduction of Funds : The original balance of the gift card was supposed to be {$750.00}, but I only received {$570.00}. This discrepancy is due to an inactivity fee, even though the card had not been inactive for even close to a year. The deduction appears to violate the CARD Act, which prohibits inactivity fees within the first 12 months unless explicitly disclosed. 4. Improper Expiration Timeline : The gift card expired in less than a year from the time I received it. As a XXXX XXXX resident, I understand that gift ca
rd funds should remain valid for at least five years under XXXX law. The companys practices appear to violate these consumer protections.

5. Company Information : The gift card was issued by XXXX, and the lack of support from their customer service team has left me with no resolution.

I am deeply disappointed with this experience and believe these actions violate both state and federal consumer protection laws, particularly regarding the expiration of funds and excessive fees. 


Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am retired drawing social security by direct deposit. My wife is XXXX and draws nothing. I discovered in XXXX that First American title loans had been taking money from my SS account without me knowing or giving me a recipe so I would know. This has been going on for over a year. Upon checking all our cards found out they also took my wife 's stimulus money from her XXXX XXXX account .They didn't have a right to take it out. They were stealing. I borrowed XXXX in XXXX and payed over XXXX back. They couldn't steal money in XXXX because I took my money out the first of the month. So now they want my camper and have me arrested
Product: Debt collection

I recieved no communication prior to a XXXX XXXX I recieved nothing and they lied. Then they were unwilling to have me make payment arrangements because I did not reach out sooner
Product: Debt collection

I dont know how they say am owning that such amount I never go the any hospital without my insurance card or without my insurance taking care of the situations, now they saying I own almost $ XXXX and they reported me to credit collection or sold it to credit collection to downgrade my credit scores.
Product: Money transfer, virtual currency, or money service

Company : XXXX XXXX XXXX XXXX Bank account information is the following : Bank of America Account Name : XXXX XXXX XXXX XXXX Account No : XXXX Routing No : XXXX ( paper & electronic ) XXXX ( wire ) Swift code : XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Scammer : XXXX XXXX XXXX XXXX used this company bank account to receive money. 
Scam Reason : house payment. 

XX/XX/2020 {$7000.00} XX/XX/2020 {$2500.00} XX/XX/2020 {$3000.00} XX/XX/2020 {$3000.00}
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally address a concerning issue regarding my credit report. Upon reviewing my records, I discovered several late payments listed on my credit report that I believe to be inaccurate. 

I first became aware of these discrepancies [ mention when you first noticed them ], and promptly took action by sending letters disputing these inaccuracies over a month ago. However, to my disappointment, I have yet to receive any acknowledgment or satisfactory resolution from your end. 

It is imperative that these errors are rectified promptly, as they are adversely impacting my creditworthiness and financial standing. I have enclosed copies of the letters previously sent for your reference, along with any supporting documentation that substantiates my claim. 

I kindly request that you thoroughly investigate this matter and provide me with a detailed explanation of the steps taken to rectify these inaccuracies. Additionally, I urge you to promptly update my credit report to reflect the correct information. 

Please acknowledge receipt of this letter at your earliest convenience and provide a timeline for resolution. I expect a prompt and satisfactory resolution to this matter. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.
Product: Debt collection

Falsely and inaccurately reporting on my credit report. 

I have no knowledge of this account. I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello I have 4 late payments marked on my credit report. Those ( 4 ) missing payment were under investigation for over a year. 

On XXXX i made a payment using my banks XXXX XXXX service for the amount of {$1000.00} to the correct po box . To my Bjs credit card to pay it of. I found out they never received the payment. I disputed with them because the money came out of my account. It went under investigation for 3 months after that. Another bank took over of the credit card ( capital one ) still was no answer on the investigation. I received a late payment notice so I called capital one and explained situation they open a new investigation that took another 3-4 months with no answer where my payment went to I started looking on my own and months after I found out that the payment was received by a third party Bank  ( XXXX XXXX XXXX  ) and they stamped my banks check to a different account that didn't belong to me. 

It Took a year and a month for them to accept it was their fault and for me to recovered my {$1000.00}, as soonest I got the money back I called capital one to gave them their money and they already decided to charged me late fees and interests ( even thought I explained the situation ) I agree to them to payed off the debt + interests but they never mentioned that they reported to my credit. 

I found out about this late payments when I requested for a loan. 

Im trying to purchase of a house and Im requesting for this late payments get removed out of my credit since it wasnt my fault. 

I have a email letter from my bank I can provide as proof of the investigation that Im not guilty of this error Thank you
Product: Mortgage

I am in Chapter XXXX Bankruptcy protection and called to make a payment on XX/XX/2019 at approximately XXXX XXXX Pacific time. Calling XXXX Fay Servicing LLC. The problem is that the representative named XXXX XXXX or XXXX stated that she could take my payment but that she could not provide me with a confirmation number. She stated that it was their policy to not provide confirmation numbers to persons in Bankruptcy protection that do not have authorization from their attorney to discuss mortgages. The Only Thing that was asked was for a confirmation of my payment so that I could have something proving the payment was made on time. If for some reason the payment is not made I am in fear that Fay Servicing could request relief from automatic stay. It makes no sense that they not provide any data when the only way they can take the payment is from me providing my social, address, full name and loan number. I do want to emphasize that the only thing that I requested from them was a confirmation of my payment as shown on my mortgage statement. I asked for a Supervisor or another person and she put me on a brief hold. She stated everyone was busy and I explained that the CFPB had fined her company in the past for unfair practices and I asked her to notate that I would be contacting CFPB. Her reply was that they were not the only ones that had been in trouble! Hopefully you can ask for a recording of the conversation.
Product: Money transfer, virtual currency, or money service

So I opened a XXXX  account and everything was normal I asked a family member to add {$15.00} to my account which they did and when I tried to withdraw it to my debit card it wont let me I added multiple cards and it still wont let me I added a bank account to transfer it to it wont do the transfer for me it keeps declining I opened a XXXX debit card so I can use it and the card wont add to my apple wallet I called XXXX they were not of any help and I can not access my funds but Im able to add it
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the ftc. Please see the attached ftc report, equifax data breach file number, and my proof of identity. Remove the 2 collection accounts and the inquiries listed on the report.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX Accordance with The Fair credit reporting Act Public law 91-506 Title VI Section 611, Subsection A-D Please provide the names and business addresses of each individual with whom you verified the above so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I requested that Experian investigate the XXXX XXXX XXXX Account ( account XXXX ) that is reporting as a collection on my credit report. According to the report I received in the mail from Experian the account was last updated XX/XX/XXXX. This means that Experian has never conducted an investigation when I requested it on XX/XX/XXXX. 
This is a violation of the FCRA.
Product: Credit card or prepaid card

Trying to get an ATM card for a checking account with Bank of America and being asked for an extortionate amount {$28000.00} for the privilege.  This can't be right can it???? 
See extract from their email ... 

This Social Security Code ( SSC ) would be legally processed and obtained from the XXXX XXXX XXXX XXXX XXXX XXXX as the XXXX XXXX   here in USA, and they informed us today that the Social Security Code ( SSC ) that would back up your US your card would cost you the sum of US {$28000.00} only which would be processed by their Head Security department. We would apparently insert this code on your master card before we do commence with the legal and safe delivery of your card to XXXX for proper security purposes which is of your own most benefit and good. 


Do you wish to transfer this payment to our CFO 's ( XXXX XXXX XXXX bank account? or would you want to transfer the payment directly to the Federal Reserve bank where your code would be processed and obtained successfully? We await your urgent response with this payment asap for the delivery of your master card to commence effectively to XXXX this week for its great benefit towards the charitable institutions. XXXX XXXX XXXX CEO./President
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX collection account as not being mine. Both Equifax and XXXX has XXXX the balance, but the account is still showing on my credit report under collections ( with a XXXX balance ). The account belonged to my son and I have a letter from the original creditor showing proof of that and that they requested it be removed from my credit file. It has not been deleted as of today 's date.
Product: Credit reporting or other personal consumer reports

I sent the credit bureau supporting documents to remove the inaccurate information from my report. XXXX XXXX XXXX, XXXX XXXX, inquiries, the bureau refuses to send proof of validation, but continue reporting the inaccurate information on my report. They also validated the FCRA LAW Code. Failure to respond within 15Days of receiving certified documents.
Product: Credit card or prepaid card

I have used my US Bank credit card for years for overseas travel. I have followed their explicit instructions to call and document the respective countries I will be visiting. This has always worked very smoothly without any issues. In XXXX, I was in XXXX and the XXXX XXXX XXXX and communicated this information to the bank. 

On XX/XX/2021, my credit card was denied for a {$19.00} taxi ride when I first arrived in the XXXX. I was in the extreme heat, in an unknown place, with a driver who didn't speak English and did not have any cash on me. This was a stressful experience that could of been completed avoided. The bank had intentionally denied my credit card transaction. I don't understand why this would happen if I went through the trouble to document this. I then had to call them overseas incurring long distance charges of {$9.00}. 

I could understand placing a hold on a material dollar transaction, but this was unacceptable.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX - XXXX - {$340.00} Late Payment XXXX XXXX XXXX XXXX - {$4600.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and/or unverifiable information that remains on my credit report despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, data furnishers are required to conduct a proper investigation and report only accurate and verifiable information. 

After multiple requests, the companies below has failed to provide documentation validating the accuracy and legitimacy of the disputed account ( XXXX ). As a result, their continued reporting constitutes negligent non-compliance with the FCRA. 

The following account ( s ) remain inaccurately listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exeter Finances LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute Reason : incorrect information/no knowledge of these accounts Request for Immediate Action 1. Remove the inaccurate information immediately. If the furnisher can not verify the accuracy, the account must be deleted from my report.

2. Provide me with a copy of the documentation used to verify the accuracy of the reported information.

3. Notify me in writing within 30 days with the results of your investigation, as required under the FCRA.

Failure to comply with this request may result in legal action, as the continued reporting of inaccurate or unverifiable information violates federal law. I expect prompt attention to this matter and appreciate your cooperation.
Product: Debt collection

This is XXXX XXXX who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Transunion 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 reporting on my Credit Reports : XXXX XXXX XXXX XXXXXXXX )
Product: Checking or savings account

Citibank approved my account and I qualify for a cash bonus in the amount of {$300.00} for making a {$15000.00} to that approved account. Now, Citibank refuses to honor the terms of the promotion they advertised when I first signed up and are making excuse after excuse to deny it. I have screenshots of the terms, a video recording that I took when applying for the promotion ( as the terms outlined ), chat logs, emails and voicemails- indicating Citibank is using this promotion to lure customers to their platform - and then refuse to honor the terms outlined. This evidence suggest that Citibank is aiming to expand their client base under false pretenses.