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

So I bought a car from a used car dealership in XXXX called XXXX XXXX XXXX. I purchased a used ( XXXX ) miles when I purchased 2018 XXXX XXXX. It was sold to me at XXXX and had the pretense that it was new and not heavily damaged upon purchase. The entire loan process was extremely shady, the company, unable to get me a loan, ran my credit a total of 12 times ( without telling me that they were doing so ) until they finally found a finance company, Credito Real USA who decided to loan to me. At a whopping 24.95 interested rate that turned my originally XXXX financed into an astounding XXXX, they hassled me for documents for proof of residence even after I'd signed all the paper work and they'd agreed to lease to me and when I couldn't provide it ( I am currently in a between situations as far as living, I am a XXXX year old, XXXX American female who is a college student and not extremely financially literate, they decided to put a GPS in my car, turns out I ended up having to pay an extra XXXX to put it in my car which was not stated in the contract or they would take the car away, knowing I was in a desperate situation, I had to pay the money. A few months go by and the car turns out to have been in an accident, and has several major issues wrong with it that prevent it from being driven safely. I go to the dealership and the car requires over XXXX in repairs to run properly and that wouldn't even come with a gaurentee that it would continue to run well in the future. So having no other option because I don't have XXXX laying around, especially after I just purchased what was supposed to be a new vehicle, but to have the finance company come reposess the vehicle. This of course is going to completely tarnish my credit for 7 years, and now I am in a horrible situation because of unethical business practices along with predatory lending.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving 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
Product: Debt collection

Greetings, i have been a victim of identity theft and have asked creditor to proof that it was my debt, and they have not, i have disputed it with bureaus many of times, please remove collection items and block them. 



Concerning XXXX  student loans i was told by agent, that she would have them removed since they were paid in full and its showing as paid collection, these accounts are reporting falsely and is waiting my character.
Product: Credit card or prepaid card

Nordstrom- I got their response from the previous complaint. They indicated that my check was insufficient fund. I tried to pay with cash at the store and using my XXXX XXXX card. They couldnt accept my payment through that method. That does not have any factor to me making a payment to resolve the issues it possible. AGAIN IF THEY COULDNT ACCEPT MY PAYMENT WITH THE METHOD IT WAS GUARANTEED, THATS NOT MY FAULT.
Product: Checking or savings account

tcf bank has taken over Chemical Bank in XXXX, Michigan. Since that time, the local bank in XXXX, Michigan has been destroyed by the 2 XXXX failures. tcf has changed several of their fee and other policies. I have been trying to contact them because the service charges they imposed put my account into a negative balance. I was a member of Chemical Bank for over 30 years. I am now trying to close my account with tcf, but when I try to contact them via phone, they only have one contact number, I have been on hold in a loop for over 45 minutes.  Obviously, this financial institution is too busy for me to do business with them. I would appreciate any help from you to make contact with this establishment. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Mi. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian currently reports two outdated, delinquent accounts. The original date of default for each account is XX/XX/XXXX, more than thirty years ago. 

The amounts of the original debts are {$1500.00} and {$2200.00}, respectively.

These accounts are reported in contravention of the Fair Credit Reporting Act ( FCRA ) 605 ( a ) ( 4 ), which prohibits the inclusion of " Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. '' [ 15 U.S.C. 1681c ] In XX/XX/XXXX, both items were disputed with Experian. Experian 's response was to " confirm '' the information with the collection agency and to continue to report the outdated information on my consumer credit report in violation of the FCRA.
Product: Credit card

Date : XX/XX/year> Financial Institution : Bank of America Product/Service : Credit Card Promotional Offer Re : Account number ending in XXXX Complaint : Today, I used Bank of America 's online chat service to inquire about a credit card promotional offer advertised on their website. The specific webpage I accessed was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX & XXXX During the chat with a representative named XXXX, I encountered several issues : Missing Information on Promotional Offer : The webpage describing the offer did not indicate the specific account to which the offer applies. I raised this concern with XXXX, but she did not acknowledge the lack of clarity and instead offered workarounds like checking the last four digits on a previous page, which was not helpful. 
Repetitive Responses : Throughout the chat, XXXX repeatedly asked if the information provided was helpful, even when I was addressing a different issue. 
Limited Agent Capabilities : XXXX was unable to provide specific details about the offer terms or send me a written confirmation with my account information. 
Disconnected Chat : After reiterating my concerns about the missing information on the webpage and requesting a written confirmation, the chat representative named XXXX disconnected the chat without addressing my issues. 
These issues prevented me from fully understanding the terms of the promotional offer and from obtaining a written confirmation for my records. I believe Bank of America 's website should clearly display the account to which a promotional offer applies, and their chat representatives should be empowered to address customer concerns effectively. 
Request for Relief : I would like Bank of America 's to review its practices regarding the clarity of their promotional offer descriptions and the effectiveness of their online chat customer service. Additionally, I would appreciate Bank of America contacting me to : Provide a clear explanation of the promotional offer, including the specific account to which it applies. 
Send me a written confirmation of the offer with my account information. 
Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

After many request, The credit reporting agency is refusing to complete a thorough investigation, as well as sending the necessary proof of accuracy and HOW they have proved that these accounts are indeed accurate.

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating and cause a great amount of stress.

I am now requesting the description of the procedure followed to determine the accuracy and completeness. According to 15 USC 1861i ( a ) ( 6 ) ( b ) ( iii ) of the fair credit reporting act, I am now requesting the description of the procedure followed to determine the accuracy and completeness of these accounts. 
XXXX XXXX XXXX XXXX XXXX - 15 U.S CODE 1692 ( e ) 10 - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX - This is also completely inaccurate. - This is inaccurately reported on my report. 
XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections.

Additionally, I am requesting the ORIGINAL CONTRACT with the appropriate signature. Your cooperation and prompt attention are greatly appreciated. 
As proof of my identity, I have included copies of my drivers license. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX
Product: Debt collection

They called my phone 11 times within an hour today XXXX. They call my phone over 5 times everytime they call me even after they have been sent a cease and desist letter.
Product: Credit card

on XXXX XXXX 2016 I sent citi aadvatage platinum select a check for XXXX to pay my account in full along with a letter tell them to close my account as i do not pay anual membership fees. the letter was sent to the corispondance address on my monthly statementXXXX XXXX XXXX, XXXX sd XXXX they cashed the check on XX/XX/2016 and payment was not due until XX/XX/2016 today i got my statement and see the following. a. that they did not close my account. b. that they charge me a late lee evven though my {$18.00} check was to pay my account in full less the yearly fee. c. that they are charging me interest. when i called them today and explained the issue they then transfered me to someone who made a bunch of ex=xcuses and discriminated against me as a XXXX american. i talk very lound when i gdo not have my XXXX in and she was telling me to stop screaming which i was not doing and then refused to help me or transfer me to her boss. she also refused to give me her name and ID number so i could file i discrimination complaint with citi bank HQ and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my XXXX XXXX in XXXX XXXXXXXX in XXXX, XXXX. I am now a XXXX XXXX XXXX. I applied for an Economic Hardship Deferment in XXXX of XXXX online and was waiting to hear back in case XXXX needed more documentation. However, I never heard back, and I called to double check that everything was good and the deferment was approved, and they told me it was being processed. The representative also had told me they would contact me if they needed anything further, In late XXXX of XXXX, I was trying to figure out a faster way to pay off my student loans owed to XXXX so I would be able to pay down my balance. So, I applied for a Home Equity Loan ( and got pre-approved, my credit score was XXXX ) to pay XXXX around half of what I owe. I checked my credit score a week later in XX/XX/XXXX, and it had gone down over 200 points. From XXXX to XXXX overnight. It showed that XXXX had put in 10 accounts that said I was 90 days late. I was mortified, and was told my a XXXX Representative that my deferment was approved back in XXXX of XXXX. 

At that moment, I cried and thought my credit would be ruined forever and I still am in absolute shock and turmoil over what this has caused me and my family. I have worked so hard to pay what I owe and had very good credit for years prior to this horrible situation. This error is not my doing and this error is on XXXX part. I filled out the appropriate paperwork in XX/XX/XXXX, and a representative that I spoke with on XX/XX/XXXX said no one had ever processed my Economic Hardship Deferment way back in XXXX of XXXX. 

I was told to send this letter to explain my situation and how I was wrongfully put in the credit bureau, so this can be corrected. I work with special needs kids every day, I pay all of my debt every month, and I have worked for years trying to build up my credit because I knew I would have student loans to pay off. I have nothing negative in the credit bureau before XXXX made this life-altering error. I have sent two letters ( one letter in XX/XX/XXXX and one letter in XX/XX/XXXX ) to XXXX explaining their error, and they have yet to respond. 

I have graduated with both, a XXXX and a XXXX XXXX. I want nothing more than to pay my loans back, but I can not begin to become financially available if my credit is ruined for XXXX error. My FICO score, XXXX, XXXX  and Experians credit bureau have all been effected significantly to the point where I have lost over 20,000 dollars in credit thus far. Please help me correct these errors against me as soon as possible so my credit is no longer wrongfully negative. 

Thank you for your time with this matter. I would never be irresponsible, and I assure you that I was not in error, XXXX was at fault 100 % and my graduation and credit is proof of my responsibility. If you have any questions or need further documentation, please let me know. Thank you again.
Product: Credit reporting or other personal consumer reports

Recently XXXX XX/XX/year>XXXX  I looked at a copy of my credit report and noticed several inaccuracies on my account. These account listed below is hurting my ability to obtain credit. It's my understanding that EQUIFAX will investigate this account for me to ensure accuracy Here is the accounts I am asking you to verify as accurate XXXXXXXX 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: Debt collection

Bull City Financial Solutions has violated the FDCPA on 3 separate occasions. I am writing today to inform the CFPB of the actions Bull City Financial Solutions and provide them one last opportunity to make things right before my attorney files the lawsuit. I am doing this against my attorney 's advice, but I felt it is important for the CFPB to know about this company and their actions. I am attaching all supporting evidence for my claims for your review. Those violations are as follows. 

1. Sending a dunning notice on XX/XX/2022. The notice was sent in an envelope that had their company name in the window. It was not discreet and you could tell the letter came from a debt collector. 

2. I sent Bull City Financial Solutions a letter to formally request they no longer contact me, and my refusal to pay them, but rather pay the original creditor. They sent back a reply acknowledging the cease and desist, however the violation occurred when they also validated the debt in the same letter " for my convenience ''. 

3. Bull City Financial Solutions then reported the collection to all 3 major credit bureaus, however, they marked the debt disputed when it was not disputed. 

My attorney from XXXX XXXX XXXX sent Bull City a letter stating terms where I would not file lawsuit against them. So far we have heard nothing in reply. I have also now challenged the credit reporting with the bureaus, that is still in reinvestigation.
Product: Credit card

I believe the account is invalid. Synchrony Bank needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.SYNCB/XXXX  XXXXXXXX XXXX
Product: Debt collection

XXXX stated debt was opened in XXXX in Delaware. Account was closed in XXXX for the amount of {$2000.00}. XXXX told me to file a police report and send in mail proving my address during the time of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$2500.00}
Product: Credit card

My information was used without my knowledge fo open up lines credit card unbeknownst to me.That card was later used for credit purchases according to the financial institution.Furthurmore, I discovered several hard inquiries on my credit report from lenders that I did not ignitiate. 

XX/XX/XXXX hard inquiry from discover financial XX/XX/XXXX hard inquiry from syncb/ amazon XXXX XX/XX/XXXX hard inquiry from citicards XX/XX/XXXX hard inquiry from XXXX XXXX XXXX XX/XX/XXXX hard inquiry from continental finance/ Celtics bank XX/XX/XXXX Credit card was issued by continental finance/ Celtic bank . According to representative I spoke with the card was issued and used before I blocked. The identity theif was able tonus the card before canceling in the amount of {$50.00}. 

Thank you for your help in resolving this matter I am currently in the process od purchasing a home and do not wwantthis situation to delay progress.
Product: Debt collection

Requested for debt to be validated and I was informed that the original creditor is speedy cash ; I received a one-page letter without any disclosures from AD Astra Dated XX/XX/2022 after filing a complaint against the collection agency to verify/validate the debt. 

The letter did not include : -A " proper '' validation notice -The Validation period -detailed/itemized information regarding the debt; such as but not limited to ; - the original contract - the original loan balance -the specific type of loan - the account number associated with the debt- Clear and conspicuous information on where to dispute the debt - an itemization of the current amount of the debt reflecting interest, fees, payment, credits. 
- a copy of the most recent/last statement - the date the account was charged off/amount charged off - information regarding consumer protections I was prompted to report " ID Theft Affidavit '' without enough information provided to determine ID theft. This debt is frivolous and after doing more research it is also a fraudulent business activity that is not allowed in California.
Product: Student loan

My student loans were transferred to Mohela last year. I have been working in public service since XXXX and have made qualifying payments for years. Prior to Mohela, my loans were held by XXXX then XXXX. I was enrolled in XXXX and XXXX, working full time, and making qualifying payments. Furthermore, I was told that the COVID relief program meant that each month of relief would also count as a qualifying payment. My qualifying payments should be XXXX, but on XX/XX/XXXX -- 6 months after I submitted my paperwork -- I was notified that I have only 13 qualifying payments. I have tried to contact MOHELA customer service and was on hold repeatedly, then told that I need to call back another day. I asked why someone couldn't call me back and I was told that they had too many calls, which makes no sense. They are a financial company and surely are able to take a message and call a customer back. I feel mistreated and defrauded. Any help you can provide would be great. Thank you.
Product: Credit reporting

I rented a car from XXXX XXXX XXXX, returned the car as scheduled only to have the agency charge me for excessive fee, ans still claims that I owe them money
Product: Credit reporting, credit repair services, or other personal consumer reports

I transferred a balance to my USBank card in XXXX or XXXX. I lost my job. I was unable to pay and I was experiencing some sever medical issues. USBank would not work with me at all regarding these issues. They forced my CC into charge-off status without attempting to negotiate with me. 

I have tried multiple times to talk to them. They hang up on me. They do not give me account details. They will not tell me why every single month they report this account as late. 

I believe in paying your debts but I was counseled by a lawyer not to pay UsBank any outstanding amount unless they would remove the account from the credit record. I found this to be somewhat fair, and USBank has refused any offer to negotiate. They need to be aware the statute of limitations to sue me has passed, and if they ever want my payment, they need to agree to a pay-for-removal. 

I do think I deserve the punitive actions this bank is actively taking to hurt me. I am trying to better my life and what is standing in my way is the abusive reporting and absolute brick wall attitude of UsBank. I was injured and had an income of {$0.00}, for years. It is clearly something personal they are doing.
Product: Debt collection

I disputed the debt with XXXX and the other credit companies. They will not show in my credit file that it has been settled. Ive tried several times. I work hard to try and work in my credit. I also pay off my XXXX  XXXX cards every month but this has not helped my credit scores.
Product: Credit reporting or other personal consumer reports

I contacted Citizen Bank because they closed an account that I'm still paying on, never late & it affected my credit report. I got the equipment from XXXX which has been and still is a problem with the equipment. I was told my account was closed because Citizens Bank no longer does business with XXXX. Citizen Bank financed my equipment, why are they closing my account because they don't do business with XXXX, that has nothing to do with me. If my account is closed why am I still making payments? The closing of my account affected credit score.