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

Since XX/XX/XXXX my auto loan with them was paid from my business account automatically every month. In XX/XX/XXXX, XXXX XXXX, somehow, could not withdraw the funds for two months form the account that they always withdrawn before. At the time I was traveling to XXXX XX/XX/XXXX through XX/XX/XXXX and I realize the problem after I looed at my mail and immediately I made payments and I re establish the bank account so they can get paid on time. I spoke to them about the problem and expressed the question to them why it happened all I get was that my payment was returned. At the time of the incident the business account had sufficient funds but they couldnt get it so I established anoether account with much less funds in it the it worked??? Because of their technical difficulty now they have reported me as I am late and I suffer from low credit score.
Product: Checking or savings account

Cash app after I deposited money into my account, XXXX dollars were taken saying they are correcting a transaction error that occurred between XX/XX/XXXX and XX/XX/2023. Apparently, they are taking money from everyone 's account and saying similar.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my SSN
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my ID and Social and later used it to open the following accounts in my name fraudulently : Regional Finance Corp. 
Opened : XX/XX/2018 Amt. XXXX I have provided them with the Police Report, Incident # XXXX, FTC Identity Theft Report # XXXX. They have the suspect in custody, they stole XXXX from their employer out of XXXX County, their hearing is on Friday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent  XXXX , Experian and  XXXX  each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17  Mailed Address, Nam e, Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX  Delete all other irrelevant information per my letter and only report the current updated information.
Product: Credit card or prepaid card

Last year, within a 4 month period, I was approved for 2 credit lines through Synchrony bank. The first was with XXXX XXXX in XX/XX/XXXX with a {$500.00} limit, of which I used the entire amount. 
The second was in XX/XX/XXXX with XXXX XXXX, for {$1200.00}, of which I purposely used much less of the available credit to keep my debt to credit ratio in check. And in XX/XX/XXXX, knowing i was going to apply for another refi when the interests rates dropped again, with the purpose of bringing my credit ratio under 30 % of the available balance, returned one of the products I purchased from the vendor. 
I made the payments on-time for months for both accounts with no late payments In XXXX i received a letter that they were lowering my credit limits to within a couple of dollars of my outstanding balance on both accounts- due to the fact that I limit my own credit lines and try to pay cash for purchases, this completely wrecked my credit ratios, and has now affected my refinancing loan for my house AND is disallowing my business to be qualified for marketing with a consumer protection company that wanted to showcase me to a national audience. 

By no fault of my own I was subjected to financial damage by a bank that refuses to give me even a document I requested on company letterhead acknowledging my initial high credit limit to pass along to the financial professionals I am trying to do business with, and, as is stated in the recorded call with the Manager I spoke with, they used information that was READILY AVAILABLE at the time ( s ) I was approved for these lines of credit, as a post factum reason to cut my credit limit- as stated, had I known, specifically on the Sweetwater account, that this would happen, I never would have entered into this financial contract with them and put my credit score at risk to begin with. 
If I was at all a credit risk, they ethically never should have given me a SECOND - LARGER credit account and/or approved my for such a high limit based on the low amount of the purchase I made. To this day I STILL have not been late on a payment.

Due to the reckless disregard of this bank, their mis-furnishment of information to the credit bureaus, and by no error of my own, my family is now subject to a higher interest rate on my home, which is costing us thousands of dollars a year, and my business is suffering potential rejection from a consumer advocate and marketing organization that promotes businesses and financial professionals like myself on a nationwide basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft. I have several accounts opened with the information that was not opened by myself. I went to the police and was cleared of all these fraud accounts. I have the certified and notarized police report. Equifax refuses to block the ID theft accounts under 605B of the FCRA. Equifax tries to claim sections 607 and 611 of the FCRA but those sections are not ID theft sections. Only 605B is. Equifax needs to obey the law, 605B of the FCRA that gives Equifax no more than 4 business days to block these id thefts opened accounts now not later. It's been over 30 days since they broke the law. 
XXXX has my file locked to a manager by the name of XXXX XXXX. He has lied about the documents he has received from me. Lied about me. I recorded all conversations, he says 1 thing then lies about it later. 1 account is XXXX XXXX XXXX. It is in a different name than mine, an address I never lived in, my license predates the opening of this account, plus law enforcement cleared me of opening these accounts. Certified and notarized. Still, these credit-reporting agencies refuse to obey the law. This harm needs to end now by and through your agency, the CFPB.
Product: Consumer Loan

An application was submitted several months ago and denied. Recently, US Bank has called to say a loan has been approved. I waited several weeks but decided to go ahead since US Bank is a reputable bank. After having to pay several " fees '' through XXXX cards, the company still has not granted the promised loan. When I requested the fees be refunded, they said they could n't until a last fee was paid. Apparently, even though I was able to reconnect with these people, they are not going to refund the amount paid or the loan. They said d it would take 45 days for a refund and yet they took the funds immediately. I want the fees refunded immediately.
Product: Vehicle loan or lease

On  XXXX   XXXX ,  XXXX , My husband and I went to   XXXX   XXXX   located at  XXXX   XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , to purchase a family van for our son who is  XXXX . The price of the vehicle including sales tax was {$70000.00}. We traded in our car, which they valued at {$19000.00} and we also put a down payment of {$8700.00}. I started making payments on  XXXX   XXXX ,  XXXX  of {$670.00} as per the agreement. In the months to follow I noticed that the principal is not reducing the way it should. I called the finance company Bank of the West  (  Address   XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , Phone  XXXX  ) on  XXXX   XXXX ,  XXXX  and requested a transaction history due to not seeing the balance reduce. Also called  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  until they were finally able to send an amortization table. In review it seems that the fixed interest of 5.50 % is not fixed and has been fluctuating. I called once again  XXXX   XXXX ,  XXXX  and spoke with Customer Service representative  XXXX  who stated that there is a Per Diem of 8.23 % and questioned her what is a Per Diem and why was it not explained in the contract. She stated all car loans have a Per Diem the call disconnected. Called back the  XXXX  and spoke with another customer service representative  XXXX , and she was not able to locate anywhere on the contract that a Per Diem would be charged, she then ask ed her manager a nd he stated that the Daily Per Diem is not listed on the contract due to the Daily Per Diem changing each day. I do not find this to be good practice, this should have been disclosed. Also on the contract I noticed that the vehicle we traded in was not included as part of the down payment, they have yet to explain the reason. We purchased the vehicle for our son because he needs accessibility and mobility, it is hard for me to carry him on and off the   XXXX    for school  and Dr   XXXX  Appointments and family outings, for this company and finance company to take advantage of such a delicate situation is outrageous.
Product: Debt collection

I have recently received a letter from Municipal Collection Services LLC in reference to an alleged amount due to ( XXXX  ) for {$200.00}. To my knowledge, I have never agreed to do any business with ( XXXX  ). As of my right, please provide written validation of any business agreement with your agency ( XXXX  ) per FCRA regulations.
Product: Money transfer, virtual currency, or money service

Carvana presented me with a bill of exchange that I accepted for value and returned for value as a Private bankers acceptance. Carvana used my Social Security Number whitch is a violation of 12 USC 408. 
The promissory note is a National Bank Note according to 31 USC 5118 ( d ) ( 2 ), 31 USCA 463 and public Law 97-258 and this note is equivlant of cash for face value.

I am the holder in due coarse I have made tender of payment in g
ood faith the Carvana would follow good business protocol and comply with TILA.

After a few hours I was informed my transaction was canceled but Carvana kept the automobile and kept the tender of payment.

15 USC 1602 ( g ) I am the Creditor.

12 USC 1431 Banks can not lend money they are the borrowers.

12 USC 1986 Action for neglect 15 USC 1684 Neglect non compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a issue with XXXX XXXX Bank. I was in the process of refinancing my loan when the corona virus hit and shut everything down. I had a hard time communicating with them due to the stay at home order. I talked to multiple people and was given different instruction. I was told that I will have my payment deferred for a few months while everything gets settled. That never happened and they kept reporting me late. I understand these were tough times and that bank employees were having a hard time navigating through this. But I was misled and my credit score suffered. Now I am told I cant refinance because of it. I have had multiple loans for over 40 years and never missed a payment. XXXX XXXX need to fix this as I was a loyal customer for over a quarter century.
Product: Vehicle loan or lease

After filing a previous complaint with CFBP regarding Bridgecrest refusing to help customers during the covid 19 pandemic, I received a call from a management representative on XX/XX/XXXX. The gentleman was professional and offered a 2 payment ( total of only one month, because I make bi-weekly payments ) deferment. I still dont believe this is adequate for most people in the situation the country is in at the moment. I feel 2-3 months is proper. However, that is not my problem. I asked the gentleman if I had to cancel my autopay for the deferment, and he stated that no, I did not, and that all I had to do was e-sign a loan modification form. 
I did so at the time it was sent to me. 
Today, XX/XX/XXXX, I received a call from XXXX from Bridgecrest stating that she needed my permission to cancel my autopay, so my payments wouldnt be taken out during the deferment. I told her that the gentleman I spoke to the day before said I did not have to do that, and I didnt understand why i was getting different answers. I told her I would just sign in online and do it myself, so I would be reminded to set it back up. 
After the call, I was busy taking dare of my XXXX XXXX, so I didnt just jump to go cancel it the autopay. I received a call one hour and 45 minutes later. I missed the call but called back. The new agent told me that in order to even approve the deferment, that I had to cancel my autopay. At this point I was very frustrated. I told the gentleman that every time Ive spoken to anyone at the company, and I havent called but maybe 4-5 times in 2.5 years, that everyone I had ever talked to gave me a completely different answer and no one ever answered a question the same way twice. 
I tried to voice my concerns as to how they handle business, and in no way ever disrespected the representative. I even made it a point to tell him several times that my problem wasnt with him, but the company. He proceeded to tell me that if I was going to disrespect his company that he would just end the call. 

This company never ceases to amaze me. They dont want to help customers, they only offer to after someone makes a complaint about them, and then want to do only the bare minimum and still give you the run around to get something that should be so simple, done. Ive asked them to not call me again unless its something important but if they feel the need to explain their incompetence to me on the phone, I give them permission to call me or my wife. 
Something needs to be done about their poor customer service and business practice. It shouldnt take everyone filing complaints on them to offer to help.
Product: Checking or savings account

On XX/XX/2018, I submitted a payment in the amount of {$500.00} via my Suntrust bank A/C # XXXX Bill Pay. I realized two days later that the payment I submitted was incorrectly submitted to a closed account. I have immediately contacted Suntrust but I was told that they can not do anything since payment already gone through and I should contact the payee. I have contacted XXXX XXXX XXXX XXXX. XXXX told me that since I do not owe any money to them they are sending the money back to my bank. However, I have to seen any transaction on my account. I called Suntrust again and I was told to contact their Fraud/dispute department. Dispute Department told me to complete a form and fax it back to them. I have faxed the signed completed form on XX/XX/2018. 
to days later i received automated later saying my case was closed due to duplicate request. I have experience such foolishness. If the request is duplicate, there should be one and other should be rejected. Any way Suntrust Bank closed both of my cases. 
I called Suntrust Bank again today, and asked them to continue one case that has the required documentations. The dispute resolution person told me that I have to start all over since they closed the cases. I explained to her, Neither I closed the cases nor I have ever requested to close the cases. It is your mistake and you have to reopen it. The challenge to send them repeated documentation is that, only they can email me documents I can not send them any document due to their lousy " Security Reasons '' not can I upload to Suntrust 's so called secured Message service. 
I called XXXX XXXX XXXX, whom I mistakenly paid {$500.00}. XXXX told me that they processed my refund on XX/XX/2018 but suntrust does not have any clue. So, I need your help to retrieve my money from Suntrust and make Suntrust train their employee to understand the banking process so that their poorly trained employees do not cause such harassment to consumers. 
I am also attaching a copy of the document I faxed tro suntrust. 

Thank You very much. 

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

I borrowed XXXX from this company it was credited to my account XX/XX/2022 and the initial payment was about XXXX per month I asked for an extension in XXXX and they Debited my account twice in 24 hours leaving me with a negative balance of {$400.00} because I had other bills coming you, Now because I am struggling to pay back they are now saying that I owe, XXXX when the original amount was around XXXX with the fees I am a struggling mom of four and I really need them to fix this so I can not have this debt hanging over my head, I filed a complaint with the BBB and I did not get anywhere with them.
Product: Credit card

I have paid the account off on several times, however the company continue to charge me late fees for some reason. I believe their action is fraud.
Product: Student loan

I submitted application to change from XXXX to XXXX on XX/XX/year>. The application has been in review since XX/XX/XXXX. My servicer is MOHELA.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXXXXXX Balance : {$110000.00} ; XXXX XXXXXXXX Balance : {$35000.00} ; XXXX XXXXXXXX Balance : {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX Account # XXXX and XXXX XXXX XXXXXXXX Account # XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States 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: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/2023. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Credit card or prepaid card

I opened Bank of America Cash Reward credit card with the following offer : {$200.00} Online Bonus Offer after making at least {$1000.00} in purchases in the first 90 days of account opening. 

The credit card was shipped out on XX/XX/XXXX and was activated on XX/XX/XXXX It takes 10 business days to arrive via US mail.

I called BOFA customer service asking for my {$200.00} bonus offer and was told that I did not make {$1000.00} purchases up to XX/XX/XXXX ( I forgot when I actually applied for the card ) How can this be? I did not even receive the credit card until around XX/XX/XXXX and it took me 2 days from receipt to activate the card. 

At least give me 90 days to use the credit card from the time the credit card itself arrives. 
I had no way of making purchases on the same day that I applied as I did not physically have possession of the " approved '' card. 

I want BOFA to honor the {$200.00} promotional credit and calculate the total spending from XX/XX/XXXX to XX/XX/XXXX to be fair to an account holder. 
I should not be penalized by the number of days the card was in transit not being able to make purchases immediately. 

Thank You, XXXX XXXX
Product: Mortgage

During XX/XX/2020 A NOI Notice of Intent to refinance was forward to Shellpoint ServicesThe requested closing date was for Early XX/XX/2020. A copy of the proof of funds was provided, along with a current financial statement. The homeowner had the funding in place with a time limit for the use of funds to refinance the mortgage. 
Shellpoint never responded to the refinance offer in place, thus allowing the foreclosure to move forward. 
I then contacted the investor of record and conducted the following. 
After the no response, I provided two offers to refinance the outstanding loan. I provided the contact information to the investor of recod on my mortgage. 
There was no response. from shellpoint. 
I am requesting a modification due to the COVID Pandemic.

The Shellpoint contact information. 
From : XXXX, XXXX XXXX Date : Tue, XX/XX/2020 at XXXX XXXX  Subject : Shellpoint - XXXX XXXX XXXX XXXX To : XXXX XXXX Good Afternoon, Please see below for my contact information. Please provide a copy of the HUD and formal settlement offer in writing. 



Thank you, XXXX XXXX XXXX Lead Commercial Loan Consultant PH : XXXX XXXX est M-F Fax : XXXX Email : XXXX XXXX