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

On XX/XX/XXXX, I got a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I paid dealer {$1500.00} and trade in {$100.00} for my XXXX XXXX XXXX. I contacted dealer twice and asked them why they overcharged me approxiamately {$1300.00} over the XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX Typical Listing Price Breakdown sheet from the dealer. XXXX Typical Listing Price Value is {$6600.00}. 
Dealer charged me {$7900.00}. This is dealer fraud. I want my money back. Dealer stole my down payment of {$1500.00}. The dealer overcharged me for this used car.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is allowing a Corporate Credit Card to report on my Personal Credit. Upon advising them to remove it, they did not! It is a business-related corporate credit card, not a personal credit card. 

If it is not removed, my intentions are to sue any and all liable parties that insist on maliciously and intentionally sabotaging my personal, flawless credit history. 

The account in question that I am disputing : Creditor : XXXX card Report # XXXX Thank you.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists accounts : accounts : XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$560.00} Sep. XXXX, XXXX XXXX XXXX XXXX {$580.00} XXXX. XXXX, XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX {$1100.00} XXXX XXXX, XXXX XXXX XXXX XXXX  {$740.00} XXXX. XXXX, XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX, XXXX .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This CFPB complaint has been filed to request pursuit to FCRA 605B ( 15usc 1681c-2 that XXXX XXXX credit reporting agency and Equifax agency Block information appearing on my consumer credit report that is the result of identify theft and fraud within four business days.You are receiving this complaint this fraudulent and inaccurate and false information consist of a personal credit card with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have resulted in several fraudulent, hard inquiries and fraudulent collections apparent on my consumer credit report. Ive attached a list of the hard inquiries and question as well as a copy of the consumer FICO credit report maintained by me which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections apparent on my consumer credit report maintained by me, was not open by myself all of the aforementioned accounts are the result of identity theft and fraud. Ive attached a copy of my FTC identity theft criminal complaint number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts collections inquiries are the result of identity fraud
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I XXXX have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, XXXX, and Transunion data breach, which adds to my worries about the safety of my personal data.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : 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: Vehicle loan or lease

XX/XX/XXXX entered into contract with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX   XXXX paXXXX  XXXX XXXX XXXX XXXX XXXX tx XXXX, and purchased a XXXX XXXX XXXX for {$14000.00}. 
My first payment began XXXX and payments were to be {$330.00} for 72 months @ 18 % APR, {$9500.00} I paid the car off in XX/XX/XXXX, ( 4 years and 4 months ). I was charged for 72 months for finance charges totaling {$9500.00}. 
The amount of interest paid on this loan was not adjusted due to early pay off of the loan and the interest charged should have been {$6500.00}. 
{$3000.00} in interest was over paid on this loan.
Product: Money transfer, virtual currency, or money service

A company called Transferwise we're meant to send my funds to my XXXX bank account. They promised this would take 48 hours. The money is coming from my personal US account to my personal XXXX account which I use for a vacation property. They now have taken over 3 weeks and their customer service is giving me the runaround. They're blaming a 3rd party bank. My relationship is with Transferwise, not a 3rd party - they need to refund me but are making all types of excuses. Their customer service is non-responsive and only answer when you complain when they do answer they say " we have no update ''. My contract is with Transferwise, not the 3rd party they promised me funds in 48 hours. 

My health and business are suffering and my staff had to be paid late. It is over $ XXXX USD. 

I am not the only person who has issues with this company, I have met 100 's of customers over the past few weeks who have had similar experiences, some peop [ le have waited over 6 months for a refund. I have reason to believe this company is committing fraud and using our funds as operating expenses, they recently started to file an IPO. Please help before any more innocent people lose their money from this company.
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts to address this issue, I would like to follow up regarding these these fraudulent entries persist, adversely impacting my financial standing and creditworthiness. The fraudulent items in question such as unauthorized accounts, inquiries, or personal information, and they have been erroneously reported on my credit file. I have diligently submitted disputes through your bureau, providing comprehensive explanations and supporting documentation to contest the fraudulent nature of these entries. I have communicated directly with the creditors associated with these fraudulent items, seeking their cooperation in rectifying this matter. Unfortunately, these efforts have not resulted in the removal of these fraudulent entries. I have followed the appropriate channels to dispute these inaccuracies numerous times, yet the fraudulent items persist in my credit file. Please help me remove these fraud items in my credit file immediately : 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 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 XXXXXX/XX/XXXX.
Product: Mortgage

I missed a monthly mortgage payment earlier this year as a result of a temporary shortfall in income. At the time I made the decision not to pay the monthly payment, I had a solid plan in place to get the account back to current within two months based on the return of scheduled income. Once I fall behind XXXX days on the account, the bank got involved and started introducing a series of bank programs and processes that made it increasingly more difficult to get back to current. These programs were accompanied by additional fees and charges, as well as the fact they bank would not accept monthly checks but required XXXX check only for the sum of the total due. They issued multiple letters with inconsistent terms and conditions and proceeded to change their positions as to which letter was the letter of record. Net result was what was XXXX days past due approached 90 days past due ( totally due to bank policies and programs ) not my ability to pay. These policies and programs generated additional revenue for the bank, and caused unnecessary hardship and stress to me.
Product: Debt collection

This is a follow up to the complaint that I filed on Monday XX/XX/XXXX. It seems that XXXX /Smith XXXX Debnam XXXX Narron XXXX Drake XXXX Saintsing & Myers XXXX LLP. has filed a Judgement against me as a form of spite, retaliation, and retribution as a result of the complaint that I filed with CFPB a few months ago against them for excessive calling on my home phone and cell phones. I feel my rights have been violated ... my Freedom of Speech for one. It seems like when the citizens or consumers speaks out, the business lashes out ...??? Why filed a Judgement against me when XXXX has known that XXXX XXXX XXXX has been communicating with them since XX/XX/XXXX??? 
A few days ago, an XXXX XXXX from Executive Office of Customer Advocacy within XXXX sent me an email stating that XXXX would be investigating my concerns from the previous complaint that I filed on XX/XX/XXXX and would send me a detailed response upon completion of the investigation. This tells me that XXXX is unsure of the actions and business practices it has done in this matter ...??? How often does a business calibrate itself ... when something is out of tolerance ...??? Well, I 'm not going to " tolerant '' the actions of XXXX and XXXX ... 
I have written a letter to the President of the United States of America at the White House. I have explained to him in writing about this situation and included a copy of the Judgement against me by XXXX, filed by XXXX XXXX ... I want the President to know what 's going on in the real world and the business world. I have requested help from anyone in his government on this matter ... I 'm waiting for his reply now. Also, I 'm writing to any state and government official that will hear me on this matter. I want the whole world to know how XXXX and XXXX have treated me over these last several months. 
I 'm requesting that the CFPB, the Federal Trade Commission, the FBI, and members of Congress investigate Discover/ Smith XXXX Debnam XXXX Narron XXXX Drake XXXX Saintsing, & Myers XXXX LLP for their actions and practices. Number 1, I would like to know who authorize the Judgement against me, Number 2, why? 
I should not be bullied, harassed, intimidated, and threatened because I want to get my debts consolidated, paid down, and paid off. I 've had to endure this for almost a year now! I put " All '' my trust in XXXX and HE will fight my battles for me!!!
Product: Debt collection

Charges from former apartment in which they ca n't provide the reason for charges. Claimed its all lost
Product: Prepaid card

I frequently purchase XXXX gift cards from my local grocer. These cards are issued by US Bank. Recently I had a total of 6 cards that were " compromised '' within a day of me purchasing them. I always examine the packaging, so I know this was not a case of them being tampered with in the store. This has happened to me and others many times, as the sequence is laughably weak on these gift cards. The security measures to prevent people from brute forcing card numbers is nonexistent. All of my cards which were compromised shared 12 out of 16 numbers, in some cases 13 or 14 numbers were shared. 

When these cards are compromised, the process is fairly easy ( I guess because they 're used to dealing with it happening ) to " lock '' the card so no further fraudulent transactions can be made. The process for asking for a replacement card is much more tedious, and can take months to complete. Not only that, when you receive your replacement card, it will have {$6.00} taken off of it as a " fee ''. This is not acceptable in my opinion, and borderline fraudulent. They reap probably millions in fees because they do n't take the necessary precautions against people obtaining and being able to guess their card sequencing. 

For this reason, I have opted to pursue a resolution to my compromised cards through the CFPB rather than reaching out to U.S. bank and waiting for months to receive less than I originally paid for on my cards. I am attaching scans of the cards and receipts where they were purchased by me. Please reach out to me if you have a need for further information. I am expecting a total of {$3000.00} in replacement cards from U.S. Bank and any less is not acceptable. 

It is my hope that with complaints like this, they will see the flaws in their security and having to answer for these flaws will prompt change in their process. 

Thanks
Product: Mortgage

I am a real estate broker representing the buyer in a transaction where the buyer is wanting to assume the seller 's VA loan. The process was initiated with Amerisave on XX/XX/XXXX and the original close of escrow was XX/XX/XXXX. The lender is not providing updates in a timely manner. The latest we heard ( a week ago ) was that they were internally trying to reverse a denial based on incorrect disclosure dates ( an internally caused problem due to their extremely slow response to things ) and had it for review by a VP, but again, have not heard from them about any updates to that. They have not provided any way for us to appeal this decision, either. These buyers are more than qualified to assume this mortgage and the extremely slow response times are causing issues for not only my buyers, but also for the VA seller who all want this transaction to be closed ASAP.
Product: Mortgage

On XX/XX/XXXX I received an email from XXXX XXXX ( NMLS ID : XXXX ) at Bank of America with a Closing Worksheet for a XXXX XXXX with 5 % down and no mortgage insurance. On XX/XX/XXXX I received a pre-qualification letter from XXXX for the XXXX XXXX which I used to make an offer on a house. 

After noticing some discrepancies during the closing procedure I made multiple calls and emails to ask why the loan terms had changed but XXXX did not answer. I finally was able to speak to his supervisor, XXXX XXXX ( NMLS ID : XXXX ) who wrote on XX/XX/XXXX : " When you and XXXX initially spoke he did indeed quote you our XXXX XXXX. Unfortunately, the problem with this is that our XXXX XXXX does not allow for a 5 % down payment. It would require a minimum down on 10 %. We should not have sent out that initial worksheet to you as that option on the program is ineligible '' I stated that the 5 % XXXX XXXX information was on publicly available websites and asked why it was being rescinded after I'd used their documentation to make an offer on a home. They stated that it was due to a " soft Housing market in XXXX '' but could not provide written rules about that new regulations. Other mortgage companies in XXXX informed me that it was not a soft market. 

I began looking into options to borrow money to make this higher down payment amount and was told by XXXX XXXX on XX/XX/XXXX that they also needed me to supply more information about my mode of practice so that the underwriter could confirm my eligibility as a XXXX. I stated that I was a fully licensed XXXX XXXX XXXX and employed as XXXX XXXX. They said that they needed to confirm that I was seeing patients. I stated that I was seeing patients and again asked for written documentation of these additional rules and inquired if they required proof of number of hours of patient care from other applicants. I did not receive a reply from that email ( sent over 2 weeks ago ). 

I have uploaded the loan documents but also have copies of all of the emails to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Mortgage with Shellpoint Mortgage Servicing and fell behind due to XXXX causing a Loss of Income, my acct was in Forbearance then Denied Deferral, unwillingly I accepted a unreasonable Repayment Plan instead of accepting a Higher Rates and Longer Term XXXXffered by XXXX XXXX in lieu of Foreclosure after 10 Plus Years, was helped by a Family Member and Ended the Repayment Plan after 5 Payments on XX/XX/21 and brought Acct Current, as of today Shellpoint has Reported to the Credit Bureaus that my Last Payment was on XX/XX/21, Reporting my Now Invalid and not in Effect Higher Repayment Payment Amount, also the {$3800.00} Payment I made in XXXX is Reporting as a Increase in my XXXX Balance instead of a Decrease even though on their Website the Info is Current. 
This action has caused by Credit Score to drop by XXXX Points making it extremely difficult for me to Refinance My XXXX and Depart from this Co, as it seems they are making it very difficult me to leave. 
I think the XXXX Co is trying to get back at me for their Predatory Wrongdoings I Filed in my previous Complaint number XXXX Submitted on XX/XX/21. 

I would sincerely appreciate if someone could take a look at this Co Unethical Business towards their Customer the Consumer. 
Thanking you in Advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX Inaccurate information being reported FTC and FCRA violations
Product: Checking or savings account

On XX/XX/2022 I was charged two overdraft fees in the amount of {$10.00} each for pending transactions on XX/XX/2022. 
I called Bank of America to understand why I was charged these fees. I spoke with two separate representatives who reviewed the frequently asked questions on this topic as well as directed me to the Personal Schedule of Fees document ( effective XX/XX/2022 ). 
In reviewing all information available on the website as well as the Personal Schedule of Fees, they state that {$35.00} fees apply to overdraft transactions. Both representatives shared that this information was outdated. When asked where I can find the correct, applicable fees schedule, I was directed to a press release ( dated XX/XX/2022 ) and an email sent to all customers ( received XX/XX/2022 ) both of which direct the reader back to the Personal Schedule of Fees which reflects different fees from those referenced in the announced updates which reportedly took effect XX/XX/2022. The second bank representative offered that I go in-person to a branch for the fee schedule but then realized it would be moot since the same information would be available at the branch. The second representative stated that Bank of America would be updating the Personal Schedule of Fees but until then the email and press release contain the correct information and not the Personal Schedule of Fees document or any other information on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continuing it's XXXX XXXX INSTITUTIONAL XXXX negligent business practices of inaccurate erroneously reporting my payment history so as to suppress my creditworthiness, and employment viability. Per that attached XX/XX/XXXX credit report, XXXX is reporting my XX/XX/XXXX mortgage payment to XXXX XXXX XXXX as 30 days late when the payment was CLEARLY made XX/XX/XXXX per the attached XXXX XXXX XXXX branch location receipt!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Bank of America due to in adequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Bank of America failed to take timely and effective measures to prevent and address fraud on their plateform, the my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.