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

On XX/XX/XXXX I purchased a white XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA. The vehicle is financed through GM Financial. The vehicle that I test drove on XX/XX/XXXX had remote start and power liftgate. The vehicle that I picked up on XX/XX/XXXX did not have these features. I did not notice that these features was missing immediately. Additionally, I was not informed about the missing chip for the park assist by the dealer only through calling XXXX XXXX XXXX. Furthermore, I have reached out to the dealer, gm priority care, gm financial, and the XXXX XXXX XXXX in regards to the issues that I am experiencing with this $ XXXX purchase. ( XXXX ) Complaint has been filed with the XXXX  against XXXX XXXX of XXXX. ( XXXX ) Complaints have been filed with the XXXX  against General Motors. There has been no resolution in this matter. Lastly, the dealership has lied and stated that I shuffled ( throwing ) some papers around to give reason why I am not allowed on their premise. The dealership can not provide proof of any such behavior, because it never happened. However, this is untrue and is defamation of character. Additionally, I have video recordings for my protection each time that I was on XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX  representatives have been upset with me since I submitted a bad review to XXXX on XX/XX/XXXX in regards to this vehicle sale. Lastly, I have the phone recordings of conversations with XXXX XXXX ( Sales Manager ). Including agreeing to take care of the equipment issues. Also, the conversation when I attempted to schedule the appointment that he requested to observe vehicle. Per phone this recording you will be able to hear the belligerence from from XXXX XXXX towards me for asking the representative XXXX, do they provide loaner vehicles?. XXXX got on the phone and stated that " I was giving her a hard time ( referring to XXXX ) and that I am not in the drivers seat in this matter ''. Overall, I have experienced disrespect, XXXX, and bad customer service with this dealership. Additionally, I am a victim of a bait and switch car sale.
Product: Checking or savings account

Im writing to file a complaint about my bank Bank of America, for its inactive regarding my dispute complaint. I have a checking account with BoA, on XX/XX/2023, a debit hold of XXXX appeared on my account. The only recognizable identification XXXX state tax. I owned no state tax and for that I know. So I called the bank and told them its wrong. I asked the bank to cancel the debit hold, but the bank said there is nothing they can do. I called the XXXXXXXX XXXX XXXX XXXXXXXX, 4 times and nobody responded. 

Its a wrongly placed hold starting from the XXXX XXXX XXXX XXXXXXXX and then the inaction of Boa caused my account usage problem : the huge amount of negative amount over rode all my current positive balance, and I cant use my account for daily expenses. I have a XXXX XXXX XXXX XXXX living with me, and request CFPB immediate attention. 

Best regards XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MTR XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Noticed there was a hard inquiry that did not belong.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Student loan

On XX/XX/XXXX, I was contacted by a company called Students First ( Saving Students Money ) by XXXX XXXX to discuss my federal loan repayment. She had left several messages of my phone in the 7 days prior, but I had not picked up. Anyways, on this day, I spoke with her and she described that she was with a third party company that could help transfer my loans from XXXX XXXX to the US Department of Education. In addition, Students First would help get me enrolled into Public Service Loan Forgiveness if I was eligible, and lastly after 4 monthly payments of approximately {$250.00}, reduce my monthly payments to around {$50.00} per month for the duration of my 10 year loan repayment. I was extremely suspicious from the outset, but XXXX XXXX had taken around 8 months to process the eligibility of my employer for PSFL, which was extremely frustrating, so I thought this might be a good option to hear out. The counselor was aggressive about having me pay for the first payment that day, and I continued to have my reservations. I told her I would call her back, so that I could look online about the legitimacy of this company. They had a website, the counselor seemed to be knowledgable, and I really was anxious to get started on making payments that would count towards PSLF. I called XXXX XXXX back and asked her to clarify what Students First role was and how it would help. While still at work on XX/XX/XXXX, I ended up signing a service agreement with Students First and making the first payment of {$250.00} over the phone. All the while, I continued to have trepidation about the interaction and the speed with which it occurred. Over the next several days, I emailed the information they requested including PSLF form ( which I already submitted to XXXX XXXX ), paycheck stub, and XXXX  tax return. I called XXXX XXXX at the phone number provided to confirm receipt of those documents, and she confirmed. One month later on XX/XX/XXXX, I continued to have my doubts as to the legitimacy of this company and how they fit into the XXXX no longer being a student loans servicer. I decided to email XXXX XXXX a simple question about a Perkins Loan, and the email was immediately returned to me. My stomach sank, as it began to set in that this probably was a scam. I looked online for reviews of Students First, and I couldn't find any. I started to emailed to research student loan repayment scams, and my experience with Students First basically checked every box, including the upfront payment. I've emailed XXXX XXXX and US Department of Education to see if they knew anything about Students First Company or if they were a scam. Now, I'm sharing my experience here.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. below accounts have violated my rights. 
1 ) XXXX XXXX last four account number # XXXX 2 ) XXXX  XXXX XXXX  last four account number # XXXX 3 ) XXXX XXXX last four of account number # XXXX XXXX XXXX XXXX  last four of account number # XXXX 15 u.s.c 1681 section 602 a. states i have the right of privacy.

15 u.s.c 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 166b a crditor may not treat a payment on a credit card account under an open and consumer credit plans as late for any reason.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I contacted Experian in regards to Information that I was challenging on my credit report. I never gave a personal statement and I have repeatedly asked to remove the personal statement off my credit report as it contains someone name other than myself. I wish to not have any comments, remarks, or personal statement reporting on my credit report as it hinders my ability to lil productivily in society.
Product: Credit card or prepaid card

Bank name is shown but could also be found under : XXXX XXXX Credit Card I accessed XXXX XXXX XXXX website to make school uniform purchase for my child. As I checked out I was presented with option to apply for XXXX XXXX XXXX credit card and receive 50 % off today 's purchase. My purchase total was {$170.00}. Due to the sizable discount offered, I applied for the card. I was approved for {$4000.00} limit with {$650.00} available for immediate use. Screen prompted me to apply card to today 's purchase. I selected yes. Once I did, screen closed and new card was not applied to purchase. 

I had received email that account was opened and XXXX number to call for service. I called and they were unable to resolve, providing me either the card details or code to use for 50 % discount. I was told I could wait two weeks to receive card and then place order. This is shady and bait and switch. 

I requested the company remove the credit card hard inquiry and card itself from my credit report due to the tactics. I demanded a letter detailing both of these items be done and am not confident I will be receiving or that they will do as I requested. I fear they will only be closing the account. I spoke to three different people, each who i had to relay the situation to.
Product: Credit card

This all started with I disputed subscription charge on my account : The original dispute was : XXXX XXXX XXXX XXXX XXXX for {$150.00} on XX/XX/year>. I contacted Citi to dispute the charge because it was cancelled before the renewal date. However, after Citi 's investigation they sided with the Merchant saying I didn't cancel the service and the subscription was active. 

I accepted the loss of the {$150.00} dollars, but I also decided to delete my account with the merchant for an extra layer of protection. Not trusting the merchant would accept my cancelation and account deletion, I wanted to deactivate my credit card number with Citi and receive a new credit card number, in order to prevent any merchant from charging my credit card. 

I contacted Citi 's customer service, and the customer service representative seemed to understand that I wanted a new card in order to prevent subscriptions services from charging my card. I quote the customer service representative " You will have to add your new credit card to the subscription you do want. '' From that conversation it was my understand that all my subscription services would unable to charge my credit card because a new card was issued and the old number would be cancelled. 

I received the card, but did not activate it because I wanted to verify all subscriptions were unable to charge my new credit card. After, a few weeks I noticed another subscription service had charged my credit card. 

XXXX XXXX XXXXXXXX XXXX XXXX NY for {$6.00} and XXXX XXXX XXXX XXXX XXXX NY for {$6.00} on XXXX, XXXX 2024. 

I then called Citi 's customer service again to find out how XXXX was able to charge a cancelled card. After, talking with another customer service representative, they explained Citi has a auto-bill feature where Citi sends your new credit information to merchants, so you don't have to update your credit card. The customer service representative stated the last representative probably made a mistake, but they would resolve my issue by disabling the auto-bill feature and then send me new credit card again. 

A few days later I noticed another subscription charge on my account : XXXX, XXXX XXXX XXXX CA for {$19.00} on XX/XX/year>. 

I then called Citi 's customer service again to find out how XXXX was able to charge my account after I had cancelled the card and Citi had " disabled auto-bill ''. Talking with this customer service representative they stated that auto-bill was never disabled and that the last customer service representative had " lied '' about disabling it. We ended the conversation with the same assurances as the previous representative, and that is Citi would " disable auto-bill '' and issue me a new card. 

I am unable to prevent Citi from sharing my credit card information with merchants, and I afraid of closing this account, because my longest credit history is with this card and I am afraid of damaging my credit by cancelling it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to receive my credit report online as described on their web page. I have tried several times over the last year and it will not allow it. I think the process to get a copy mailed is too complicated and they are doing this on purpose. There is no logical reason I shouldnt be able to get it online. I am asking your department to find out why they cant and do they do this to everyone. 
This company is XXXX. I believe this is unethical, if not illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and updated : XXXXXXXX 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

The collection showed up on my credit report and says the it was from CEDAR BUSINESS SERVICES opened on XX/XX/2023 for a balance of {$600.00}. This is not mine and i dont have any affiliations with this company. This is a result of a fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration and disappointment with the persistent inaccuracies on my credit report, specifically regarding my XXXX XXXX XXXXXXXX account, account number XXXX. Despite multiple attempts to dispute these errors with TransUnion, XXXX, and XXXX, as well as XXXX XXXX XXXXXXXX, the problems persist. 

Specific Issues : Inconsistent Account Status : The XXXX XXXX  XXXX account is erroneously reported as both " Charged Off '' and " Never Late. '' Inaccurate Balance : The reported balance of {$150.00} is inconsistent with the {$450.00} written off. 

Misleading Payment History : The payment history provided is confusing and does not accurately reflect the true payment timeline.

Incorrect Closure Reason : The stated reason for closure, " closed at credit grantor 's request, '' is inaccurate and misleading.

These inaccuracies have negatively impacted my credit score and my ability to obtain credit, housing, and other financial services. I have experienced significant stress and financial hardship as a result of these errors. 

I have repeatedly contacted TransUnion, XXXX, and XXXX to dispute these inaccuracies. Despite their claims of investigating and resolving the issues, the incorrect information remains on my credit report. I have also contacted XXXX XXXX  XXXX to address these discrepancies, but their efforts have been unsuccessful. 

This matter was part of a litigation case that I won against XXXX XXXX XXXXXXXX. It was resolved in court, and I can not understand why these inaccuracies are still being reported on my credit report. XXXX XXXX XXXXXXXX wronged me, and a court of law recognized this. It is unacceptable that these errors persist despite the clear resolution of this issue in my favor. 

I am deeply concerned that the CFPB has failed to hold the credit bureaus accountable for their repeated failures to correct these inaccuracies. It is disheartening to see that the CFPB is not fulfilling its role in protecting consumers ' rights. 

I urge the CFPB to take immediate action to investigate these matters and compel TransUnion, XXXX, and XXXX to correct the inaccurate information on my credit report, specifically regarding the XXXX XXXX XXXXXXXX account, account number XXXX. I believe that the credit bureaus ' failure to accurately report my credit information violates the Fair Credit Reporting Act ( FCRA ). 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have contacted Bridgecrest twice today & have been hung up on twice by two different agents after asking them to clarify where on my original contract it states that the loan accrues daily interest or " per diem '' as the first agent stated. The original contract with the dealer states it is a " Simple Interest Retail Installment Contract '' and there is a marked APR percentage and a calculated amount for both payoff and loan. That page is signed & agreed to. When I call bridgecrest to ask why my interest and principal payments vary so differently, I am just now having someone explain that my actual interest is DAILY & that the application towards the principal varies depending on when I pay despite never having paid late. When I asked for monthly statements for my records, the agents both stated " bridgecrest does not do that ''. They force you to sign an arbitration agreement as well when you go to the lender but do not mention anything about the daily interest. When I spoke with the second agent, she states that I need to contact XXXX XXXX about my contract because my contract is with them not with Bridgecrest. This makes no sense since Bridgecrest is the lending bank/provider. This contract/lending type violates the Federal Truth In Lending Act, they know this, that is why everyone is forced to sign Arbitration papers & papers stating you will not sue them in a state court before you can leave with a vehicle. The contract states they are abiding by the truth in lending act but they are not ; no one explained or even mentioned the DAILY interest rate that gets applied and how it changes your principal payment allocation depending on when you pay it, even if it's paid on time. No other dealership does this. I had a call today with an agent from Bridgecrest at around XXXX XXXX  EST who stated that my contract is NOT with Bridgecrest and so they are not responsible for what I was told about the contract. If the loan is not with Bridgecrest, why am I paying Bridgecrest? When I asked her this, she hung up on me. 


We have never missed a payment and have never been late. We are 2 years into this loan, have paid almost {$12000.00} and the loan has only gone down {$4100.00} with a $ XXXX monthly payment on 19.87 %. Make it make sense. This is a modern day robbery.
Product: Student loan

In XX/XX/2007 I put my student loan in deferance while going through a divorce that ended in foreclosure of my home. During that time, XXXX sold loan to ACS. At the time I owed {$1500.00} ish. With penalties and interest, my loan when to {$5400.00}. I 've been paying consistently the {$57.00} per month but I feel that the penalties and interest which almost tripled is accessive. When asked if the could reduce for a full amount pay off they said no and that I would have to reach out to the Department of Education for options. Do I have any?
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had charged-off accounts. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts that resulted in charged-off : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

Calling in excess of 12 times per day and refuse to let me consolidate my loans. Use multiple phone numbers to keep calling
Product: Credit card

i have XXXX accounts with citi bank never missed a payment never have been late wake up found XXXX accounts closed without no response no customer service wanted to give me an answer thats unacceptable for them to close my account since i have been a loyal customer for years and now i cant even access the accounts to make a payment
Product: Money transfer, virtual currency, or money service

I have been using Zelle with my mobile phone number since last year when XXXX started offering My last XXXX payments through them havent arrived at XXXX check account but my XXXX account. I changed mobile number from XXXX XXXX  to use at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX