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

To whom it may concern, On XXXX I utilized XXXX XXXX. I've attached confirmation provided to me by XXXX XXXX confirming that my vehicle had been picked up from the location it was disabled. 

For the next three weeks a " XXXX XXXX '' maintained that they had picked up the vehicle and delivered it to XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX AZ XXXX ). During this time I contacted Ford several times which turned me away stating " we have nothing to do with XXXX XXXX. '' I was eventually directed to 'XXXX XXXX ' from a Ford supervisor stating my vehicle was " probably dropped off there by the tow company. '' I contacted them and spoke to XXXX. She felt so bad that we are people with XXXX being refused any type of help from Ford or XXXX XXXX. XXXX contacted XXXX XXXX  ( contracted through XXXX XXXX ) who suddenly changed thier story. The company stated that vehicle was dropped off directly at XXXX XXXX. After days of searching XXXX was unable to locate my vehicle. Once again she contacted the Tow company whom suddenly changed the story to now my vehicle was never picked up. 

Almost a month has gone before I was forced to file a stolen vehicle report with my insurance company. Because of the dereliction of duties and knowingly falsifying information on behalf of XXXX XXXX and XXXX XXXX  my vehicle was privately towed by another company on XXXX. My vehicle was left abandoned and we were left in the dark. 

It is now over two months later and we still do not have our vehicle. We lost so much time playing hot potatoe with Ford and XXXX XXXX that even to this date the vehicle is still not back to us. 

I've made several complaints to Ford, XXXX XXXX. Reference XXXX XXXX no. ( XXXX ) and XXXX XXXX complaint no. ( XXXX ), and a third party company ( unkown name ) that handles the dispatching of contracted tow partners. I've complained to Ford Credit for voiding the contract agreement that we had reasonable expectation as Ford customers that Ford would deliver assistance in time of need. Ford Credit has failed to meet that obligation. 

There is an unfair treatment against myself as a customer with XXXX. I have my rights and I am federally protected from companies like Ford who fail to meet their contractual obligations. The way we have been treated frankly is disgusting. Ford Credit has the nerve to still expect payment for the months that I have not had my vehicle due to their error. This is customer abuse. This is abuse of XXXX American 's.
Product: Student loan

To whom this may concern, As a XXXX XXXX XXXX in high school, I knew nothing about student loans, how it worked, and all the ties attached to it. I was uneducated and unaware of the consequences of applying for a loan under a variable fixed rate. Sallie Mae has raised my monthly payments of {$200.00} to {$310.00} in XXXX year. I am a full college student, struggling to balance XXXX jobs and a full schedule of classes to meet the $ XXXX  monthly payments Sallie Mae has put on me. I have reached out to customer service on numerous occasions and the solution they offered was deferring my payments for XXXX XXXX or XXXX. I have also reached out to the XXXX XXXX XXXX XXXX, explained my struggle as a full time college student to meet the $ XXXX  monthly payment and they provided me with the same " solution ''. This is not a solution, it is a bandaid and will hurt me in the long run. I will not be able to finish college and apply for another $ XXXX loan if my monthly payment is not reduced. Please help me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX ( XXXX ). XXXX has incorrectly reported late payments for XX/XX/XXXX and XX/XX/XXXX on my credit report. 
XXXX. XX/XX/XXXX Late Payment : I have obtained my XX/XX/XXXX bank statement, which clearly shows that my payment was made on time. Despite providing this proof, XXXX has refused to correct the late payment report. 
XXXX. XX/XX/XXXX Late Payment : I am currently unable to retrieve my XX/XX/XXXX statement from XXXX website, but I believe this late payment is also inaccurate. I have requested access to this statement from XXXX but have been unable to obtain it. 

I previously disputed these inaccuracies with the credit bureaus, and instead of conducting a proper investigation, XXXX attempted to alter the reported dates, which is reflected on multiple versions of my credit reports. This raises serious concerns about XXXX  compliance with the Fair Credit Reporting Act ( FCRA ) and its obligation to ensure accurate reporting and conduct a good-faith investigation when disputes are submitted. 

I have contacted XXXX directly to resolve this issue, but they have refused to remove the inaccurate late payments. These errors have negatively impacted my credit score and ability to obtain favorable credit terms.
Product: Debt collection

I receive a dept. collection notice from Accounts Receivable Resources, Inc. indicating that they are trying to collect a debt from the XXXX XXXX XXXX XXXX XXXX. However, I didn't receive the bill from the XXXX XXXX XXXX XXXX XXXX. I called Accounts Receivable Resources, Inc. to let them know that I don't recognize the bill and that the debt collection notice doesn't allow me to dispute the charges. Accounts Receivable Resources, Inc. wants me to pay them. 

This is an unfair practice from the XXXX XXXX XXXX XXXX XXXX to send me to collection without any notice and not allow me to dispute the charges. I paid all of my copays on time and I don't understand why they want more money from me.
Product: Credit card or prepaid card

I am writing to report unexplainable fees charged on my XXXX XXXX XXXX XXXX credit card. It is my financial habit to pay off any charges incurred on my XXXX credit card within the allotted time to avoid interest charges for current purchases. On my XXXX 2017 XXXX 's account statement, I received a fees charged for the amount of {$2.00} on an account for which I had a zero balance. I took action and contacted customer service to inquiry about the fees charged on XXXX XXXX, 2017 @ XXXX XXXX However, no one could explain what the fees were for or why the fees were incurred in the first place. They agreed to waive the fees but I had to pay the unexplained {$2.00} prior to the XX/XX/XXXX statement due date to avoid incurring interest at 29.9 %, and a late fee on the unexplainable {$2.00} fees charge on an account that has a XXXX ( XXXX ) balance. I took action to protect my good credit reputation and paid the illegal fees charges of {$2.00} in XX/XX/XXXX. Please note something fraudulent is happening with the XXXX 's account. Because the illegal fee amount is small, perhaps the company is hoping it 's customer 's will overlook it. Yet, if unexplained fee of {$2.00} by the number of customers who have a XXXX 's account, the fraudulent charges could bring in a hefty sum.
Product: Credit reporting or other personal consumer reports

the account on my credit report is not my account please remove from my credit report
Product: Debt collection

I sent Velocity Investments , LLC. a request for validation of a debt on XX/XX/2020 and it was received on XX/XX/2020. This alleged debt has already been paid and I am yet to receive a response from this company in reference to my debt validation request letter pursuant to 15 USC 1692g ( a ) of the FDCPA. They have engaged in deceptive, illegal and abusive debt collection practices.
Product: Credit card or prepaid card

On multiple occasions, Nordstrom ( TD Bank NA ) only notifies me of a missed payment on the next month 's billing statement. Most recently, for the XX/XX/XXXX payment due date, Nordstrom emailed an electronic billing statement prior to the due date in lieu of a paper billing statement ( per my opt-in/request ) ; however, as the due date approached there were no reminder notifications nor any indication that I had missed the payment date until I received the XXXX billing statement on XX/XX/23. 

Furthermore, I was advised by the customer service rep on XX/XX/23 that because I have opted-in to receive electronic billing statements, it was not possible to set up alerts on my account. 

This practice of not informing customers of an approaching due date, or of a recently missed payment seems unfair and deceptive as it is a way for the institution to collect late fees customers. This practice is also not consistent with similar accounts that I have with other card issuers/financial institutions where I received multiple alerts, reminders, etc. to aid in effectively managing the account. 

This practice causes material harm to me as a customer in the form of late fees ( {$37.00} ) at a time when my household income as already been significantly reduced by COVID-19, as well as harm in the form of negative consumer reporting.
Product: Credit card or prepaid card

On XXXX XXXX, 2022, I was approved for a Capital One Quicksilver XXXX card with a {$15000.00} credit limit. The only reason I applied for this car was because it can be used as a virtual card online. The card came with an enhanced rewards program that if you spent {$500.00} within six months, you would get {$200.00} in rewards money. I actually earned {$220.00} in rewards by complying with their requirements. 

On XX/XX/XXXX, I attempted to use the card and it was declined. When I check the account online is was listed as restricted and so I called the bank to be told by their fraud department that they needed to verify some of my information but would not share with me why. They asked for, and received, copy of both sides of my drivers license, copy of my social security card and proof of residency in the form of my property tax bill with my address, legal description, etc.. 

On XX/XX/XXXX, they called and said since I had copied my drivers license front and back onto the same sheet of paper, they could not use it, had to have it copied on to two sheets. While a ridiculous request, I complied and sent them two sheets.

Two weeks later, I get a call that the property tax bill wasnt proof of residency even though its actually issued by a local government and contains my address as well as other information about my residence. They needed a bank statement with full account numbers showing or a utility bill. I sent them a bank statement for one of my accounts with the account number showing, address, balance in the account etc., as well as a copy of my utility bill from XXXX XXXX for my trash pickup. 

On XX/XX/XXXX, I get a call that my XXXX proofs of residence were not satisfactory and I decided enough was enough and asked that they close the account and forward to me the {$220.00} in rewards that I had earned. They refused, said they could not release rewards money on a restricted account even though I had complied with all their requests. 

They closed the account and are refusing to pay me the money legally due to me. Yes, its a small amount but they have put me through far more aggravation that any financial institution should inflict upon a customer. They have steadfastly refused to tell me why the card was restricted to begin with and this from a bank who suffered a major data breach a few years ago, making me concerned that somehow my information had been compromised but again, they would not share the reason with me. 

I have contacted their CEO with this problem and he forwarded it right back to the fraud department. The people working in fraud refused to give me their names, only employee ID numbers and refused to let me record my conversations with them even though they were recording it. I have no where left to turn to resolve this issue, hoping you can help.
Product: Debt collection

A bill for {$57.00} was sent to AMSHER COLLECTIONS for a medical debt that I wasn't aware of at the time. 
I paid the amount to AMSHER COLLECTIONS for Account XXXX over the phone in XX/XX/2018. I have proof from my bank that the amount was paid, and I sent them an email stating it had been paid. However, they reported it onto my credit as a debt in collections. It is on my credit report currently, and should not have been reported as it has been paid. 
It is showing as a debit on my Bank Account on XX/XX/2018 going to AMSHER that was put in on XX/XX/2018. 
However, they've reported it on my credit report as an unpaid collection.
Product: Mortgage

Ocwen currently services a reverse mortgage my grandmother had. When she passed obviously her estate went through probate. unfortunately, Ocwen didn't understand this and kept saying they didn't care, the mortgage was due, even when I explained that I had no control over the courts. Finally I spoke to a supervisor who said that if I contacted them every so often to give them updates they wouldn't need to start foreclosure and they would wait for probate to finish. now, just a few months later they are saying the matter has been sent to foreclose, despite the cat that probate is still ongoing. I'm not sure what they expect and I don't believe I'm being treated fairly nor do I believe they are compliant with federal or state lending laws.
Product: Credit reporting or other personal consumer reports

For over The past few years, I have tried correcting the information showing on my credit reports. Its stating that it was discharged in bankruptcy. It was not a discharge. They were included in the XXXX XXXX and they were paid through the XXXX XXXX. By them stating it was discharged, its showing as if they were never paid and its derogatory on my credit report and harming my credit. Impacting my ability to purchase a home and my credit score. 

This is the US courts definition of just charge and this does not apply to me! 

https : //www.uscourts.gov/services-forms/bankruptcy/bankruptcy-basics/discharge-bankruptcy-bankruptcy-basics
Product: Checking or savings account

On XX/XX/year>, I opened a bank account with Truist. I deposited my IRS check into my account in the amount of {$36000.00}. A hold was placed, and {$5500.00} was released the next business day, XX/XX/year>. The remaining amount would be available XX/XX/year>. Since opening my account, I have used it as normal, depositing my pay checks, paying rent, utilities and occasionally sending my wife money. On Saturday XX/XX/year>, my wife and I decided to go to the mall to do summer shopping, a normal day. We went into XXXX XXXX and I wanted to make a purchase in the amount of {$3000.00} with my Truist debit card, and I could not, I was advised to call the fraud department because of suspected fraud, which was understandable. After calling the fraud department and staying on the phone while attempting to use the debit card to make the transaction, my card would still not work. I explained to the rep the issue still persists and I was told that my spending limit needed to be adjusted and that department was closed. I was frustrated and agreed to call the following business day. On XX/XX/year>, I went into XXXX to get groceries and renew my membership, while attempting to renew my membership my Truist debit card declined yet again. This time, no one contacted or emailed regarding the decline of my card and I reached out to customer service and I was told that my account is under investigation Following XX/XX/year>, I have called everyday 2-3 times asking for an update and being told I will receive an email with further information. I asked a representative on the phone, if I could just withdraw money instead and was told that I could go to a local branch. XX/XX/year>, I received a letter in the mail stating my account would be closed, and that all deposits needed to stopped. I called again to ask about an update and again no update was given. On XX/XX/year>, I went inside a local branch to try to withdraw funds and the teller told me theres a note on my account that says do not release. I was confused as to why I was told to come inside a branch to withdraw and then theres a note saying do not release. I asked to speak with the branch manager, and he called truist as well and a representative on the phone, said I would receive an email with further updates within 2 business days. There has been no update since going into a local branch, XX/XX/year>, when I was told an update happens every 7-10 business days. It is now, XX/XX/XXXX and I have had my paychecks deposited into my account that I have not been able to obtain and I have not received any correspondence by mail, email, or phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The coronavirus pandemic has been a mental and physical drain for the globe. During this global crisis, many consumers faced the added stress of dealing with financial services companies that didn't always follow the rules or were slow to move when the federal government attempted to relieve the economic effects consumers were experiencing. 
I am a victim of the above challenge. There is a credit report inaccuracy on my credit from XX/XX/2020 issued by XXXX XXXX. There is a dissonance between the laws introduced to help consumers during the Pandemic and how XXXX XXXX reported my suspended payments to the credit bureaus in XX/XX/2020. I have attempted several times to contact XXXX XXXX directly regarding this inaccuracy with no success. I am left to deal with the error now on my own despite guidelines that were enacted to protect consumers from negative credit implications during the Pandemic. 
At the beginning of 2020, I lost my job due to the Pandemic. My company was a XXXX company that was based out of XXXX, so the economic impacts of the Pandemic hit our company sooner than it did US-based organizations. When this occurred, I called all my creditors to ask for adjustments in payments until there was clarity around what would be next. When I spoke with XXXX XXXX, they said they would suspend my minimum payment, and I would have to call them each month to verify if I still needed this accommodation. They stated I would have no late fees, nor would there be any negative impact to my credit report due to this adjustment on their behalf. They assured me that as a result of the Cares Act and XXXX XXXX making accommodations for consumers that needed it, I would not experience anything adverse. 
I did as they instructed until I was able to resume payments. Once I was able to continue payments, I called them and went back to our regular payment schedule. Upon pulling my credit report at the very end of 2020, I noticed that I had a 30 day late in XXXX of 2020 from XXXX XXXX that appeared on my credit. This late appeared after the time in which I called XXXX XXXX and explained to them that I would not be able to make payments. And that this was accurate, as they assured me as a result of the Pandemic, they were making accommodations for consumers that needed it, who were impacted by COVID-19, that I would not have any late charges or any impacts to my credit report. I called XXXX XXXX and explained to them that this error was on appearing on my credit report, at which point they said they were unwilling to adjust the information on the report. I'm writing in hopes that someone will do a thorough investigation regarding this inaccuracy, as this is a violation of my consumer rights. I was told I would have no implications on my credit report due to the Pandemic, but this is not the case with XXXX XXXX.
Product: Credit card or prepaid card

I had a care credit account and recently fell behind. I contacted care credit on XXXX to get the card caught up. I first spoke to a gentleman, who started to offer either a settlement or a payment arrangement. At the time the card was less than 90 days behind with the next payment due XXXX. I explained I did not want to take any option that would result in account closure. The gentlemen then transferred me to a women who went over the same options starting with offering me a 60 % settlement over 3 months. The other option was to close the card and pay over 60 months. I expressed I wanted to bring the account current and did not want the card closed. The care credit representative stated " I agree and that is a better option. '' I paid {$570.00} and agreed to pay {$100.00} more by XXXX Again I expressed I did not want the card closed and the representative confirmed and collected the $ XXXX The next day I logged into my care credit account to find it was closed. This was a total shock as I expressed I wanted the card to remain open and the care credit rep agreed this would happen. I contacted Care Credit by phone to request a refund. As the {$570.00} was a XXXX loan and an attempt to get the card back on track. Care credit transferred me around after explaining the story 3x. Finally I was hung up on. 

Care credit used deceptive practices to collect monies from me with knowledge they intended to close the account regardless of what was communicated to me. I want my monies refunded and the debt to be eliminated as a result of the neglect action taken by Care Credit, this card will now show as a charge off. As the consumer I was misadvised and money was taken with the verbal agreement the card would remain open. I do plan to also contact an attorney as well. Care Credit recordings will support my above account of events.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect names and addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account showed up on my credit reports new as of XX/XX/2019 that is not mine. It is with XXXX XXXX. I never opened this account and when I call the company and give them my ss number they say I do not have an account with them. I have disputed this account with the credit agencies like Experian and XXXX XXXX to take it off my report but they refuse to.