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

Motor Vehicle Purchase Date : XX/XX/XXXX Total DownPayment : {$5700.00} Make & Model : XXXXXXXX XXXX XXXX XXXX XXXX Odometer Reading at purchase : XXXX As a new credit user an authorized working immigrants, we went inquiring about a car to purchase for a reliable transportation to/from work. XXXX advised us that he is not able to disclose the price for the vehicle until after we submitted and signed a few documents which we did. The contract was never explained. They had us sign the document under the pretence that Credit Acceptance was not able to disclose the total cost until after we submitted such. We were advised that the car was ok and that we only needed to put gas in the car and air in the tire as the tire as the pressure was low. After we drove off the lot and on the journey we realized we were feeling this strange vibration and hearing this noise from the car whenever we accelerated so i immediately called XXXX and he advised me not to worry that it was just the tire causing the vibration. We were almost at work ( XXXX XXXX XXXX XXXX so we unable to turn back. Later that night when i was leaving work i realized that only one of my headlights had light but it was extremely faint so we had to be piloted home by another vehicle. I decided the following day to drive it again to work and have our mechanic take a look at it. I took off the bumper an immediately advised that he was not going to touch it and he thinks it 's best to have the manufacturers look at it so i parked the car at work and immediately booked an appointment with XXXX XXXX for XX/XX/XXXX. I again called XXXX 's to let him know that i will be dropping the car off at his office to look at the issue, This was done on XX/XX/XXXX and i also notified him about my upcoming XXXX appointment. XXXX had the car from XX/XX/XXXX until XX/XX/XXXX when he brought it to XXXX XXXX XXXX XXXX XXXX to fix. I ended up spending a total of {$3800.00} of MY MONEY to fix. When i finally got the car back XX/XX/XXXX it was even worst and i have documents to prove such. I immediately book another appointment with XXXX XXXX XXXX XXXX for XX/XX/XXXX and the to date the car is still there with a $ XXXX bill. Turns out the car was in an accident and the warranty they provided does not cover all the damages on the vehicle. In Florida, the maximum permissible interest rate is 18 % per annum. If a lender charges interest at a higher rate than 18 % computed on an annual basis, the lender is subject to civil penalties that include forfeiture of the interest, both already paid and remaining to be paid. I was charged a total of 23 % and {$44000.00} loan total.I have been out of work for almost 2 months as i was fired due to missing work in an attempt to fix the issue with XXXX. Who by the way was rude and keep hanging up on us or refusing to return or calls on several occasions. XXXX XXXX  monthly payments are still hitting my account from Credit Acceptance. I even tried calling them to provide an update on my current status and they advised me that they are not able to hold payments due to me being unemployed. Please help me!
Product: Payday loan, title loan, or personal loan

I am being illegally charged with high interest rates. I am paying thousands back in total for a {$520.00} loan every two weeks. 

XX/XX/2020 Amount Financed {$520.00} Annual Percentage Rate 771.72 % Finance Charge {$3500.00} Total Payment {$4000.00}
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, INNOVIS, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX  XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Student loan

I have XXXX private student loans through XXXX XXXX XXXX XXXX  etc. My father co-signed but after he died in XXXX I was the only one on left on the loans and they came after me pretty hard. I defaulted. They got judgments on all four. They have garnished my wages. I paid one loan off and was working toward paying off one of the the very largest of the four. On XX/XX/XXXX I received a " Release From Garnishment '' from the Court that granted the garnishment ( submitted by the debt collector Javitch and Block ). The Release was for one case only. It was on the case that I owed the least amount on and ( most importantly ) NOT the case I was paying a garnishment on. The Release did not say why that case was being released from garnishment, nor did it name any terms or if there would eventually be areturn to garnishment. I called Javitch in XXXX of XXXX to find out what was going on. The person I spoke with said that he didn't know. That it was unusual for the company to release a garnishment and that they must have done it because my other 2 loans that were outstanding were so large they decided to write the smaller one off. A year passes and I am still paying on one of the larger loans. I get a notice of garnishment from the state treasurer ( I XXXX  for the XXXX ) that my wages will now be garnished on this old case that I thought had been released! I had not finished paying off the other loan yet. So, I called Javitch again. This time I talked to an attorney. He said the release that I received a year ago was to provide relief for loan holders during COVID. I told him that it didn't! I was being garnished the whole time! Over {$1000.00} per month. I kept my main employment but I lost work due to COVID. A lot of work and so did my husband. We are behind on all of our bills due to this loss in income. This attorney made some jokes about XXXX giving me relief, etc and said there was nothing anyone could do about it now! Really? Is that really true? Shouldn't they have to give me back the money I paid them during the time that I was not supposed to be paying? They still have a garnishment now! Can you help me?
Product: Checking or savings account

Urgent Assistance Required Unauthorized Transactions on My Bank of America Account Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request your assistance regarding unauthorized transactions that occurred on my Bank of America accounts. 

On XX/XX/XXXX at approximately XXXX XXXX, I noticed an unauthorized transfer of {$50000.00} from my savings account to my checking account. I immediately contacted Bank of America to report this issue. However, I was informed that I needed to call back at XXXX XXXX  when online banking support would be available. 

At XXXX XXXX, I contacted Bank of America 's online banking department, and they informed me that {$41000.00} had been used for purchases on " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX within a span of just 30 minutes. I immediately informed them that I had no knowledge of these transactions and did not authorize them. Shockingly, they claimed that I had verified these transactions. In response, I rushed to my local branch to present evidence, including text messages showing that I had been responding to fraud alerts with HELP. 

Bank of America subsequently opened a case ( XXXX XXXX : XXXX ). However, despite my repeated follow-ups, no action has been taken to recover my stolen funds. This money was intended to be used as a down payment for my home, and its loss has caused significant distress. 

Given the banks inaction, I also filed a police report, and the case has been assigned the following number : XXXX. 

Prior to this incident, my credit card with same Bank of America on XX/XX/XXXX I was charge {$1800.00} and I reported that immediately and no action was taken and no action has been taken other than sending me a new card when I was stilll in possession of my old card. I want this addressed too. I do have other account and credit card with another bank and I DID NOT have any issue with it. So this is an issue with Bank of America. 

What is most concerning is that Bank of America typically verifies even minor transactionsfor instance, they have previously called me for authorization when making a {$200.00} payment. However, in this case, where a substantial sum was transferred and spent within a short period, no hold was placed on the transactions. This suggests a serious failure in their fraud prevention system, and I firmly believe they must take responsibility for this lapse and refund my money. 

I am seeking the CFPBs intervention to ensure that Bank of America thoroughly investigates this matter and returns my funds as soon as possible. I appreciate your urgent attention to this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I received a letter in the Mail from Wells Fargo. It was a checking account statement. It had a XXXX balance. I never opened this account. I called Them and filed a fraudulent claim. They said they would close the account and they have not. I have received a second statement. Now XXXX showing from the XXXX email that I am going to receive another letter which is from a mediation XXXX XXXX Wells Fargo. They have not closed this account. I should not be receiving any mail. XXXX getting frustrated. Please help. 

XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy.

As as Federally protected consumer my privacy rights are being violated under the PRIVACY ACT of 1974 As a federally protected consumer according to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and Im requesting for the account to be updated payed as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the accounts corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

After I was laid off from my job in XX/XX/XXXX I was struggling to make my mortgage payments. I heard about a company XXXX XXXX XXXX XXXX  ) that will help you keep your house and I initiated a conversation with them. The process took quite a while and I provided the loads and loads of paperwork and supporting documentation they requested. In addition, I made XXXX separate payments of {$XXXX} for this service ( XX/XX/XXXX ) and second payment on ( XX/XX/XXXX ). The communication continued throughout the month of XXXX and they started harassing me for the third payment of {$XXXX}, which I was unable to pay During that period, I spoke with my mortgage company and found out that I had many other ( free ) options and they were more than willing to help me find a solution. 

At that time, I sent an email to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX notifying them that I had secured mortgage assistance outside of their company, and that because no negotiations or work had been conducted on their end, I wanted a full refund of both payments. A full 7 days passed before I received a response. On XX/XX/XXXX I received a response stating that my file was put on a " non-compliance '' hold since I had not made the last payment. He also stated XXXX will process this request for a refund with our back office, and I will update you as soon as I hear back. ". 

I never received another message after that. Over the past year and a half, I have sent XXXX more messages, none of which received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$220.00} XXXX XXXX XXXX XXXX {$100.00} US DEPT EDXXXX {$3300.00}
Product: Credit reporting or other personal consumer reports

I am submitting my 22nd complaint, specifically addressing the TransUnion bureau. Under Section 605b of the Fair Credit Reporting Act ( FCRA ), TransUnion is legally obligated to remove accounts determined to have been opened due to identity theft. The disputed accounts outlined below do not pertain to me, and I am requesting their prompt removal within the next 15 days, preceding my upcoming credit report update : DPT EDXXXX XXXX Date Opened : XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit card

This complaint is about Citibank/Home Depot credit card. I always pay this card on-line through my checking account. On XX/XX/XXXX ( or there abouts ) at XXXX I submitted a payment on line, only to realize I had used the wrong ( old ) bank account info, which did not have the funds to pay the check. I immediately called, the person at Citibank said they could do nothing because it was after XXXX. I traveled to the nearest Home Depot that evening, paid my payment in cash. I called again the next day, the person helping me said nothing could be done, they had no procedure to withdraw a payment. 
When the check was returned 3x and I was charged a large fee each time, I called them again and was told they would continue to submit the check, they had no way to stop any payments. I was able to put a stop payment on at the bank, so nothing further was paid. The fees I had to pay to the bank nearly equaled my monthly payment ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; US Dept of Education ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint to Experian regarding the ongoing inaccurate information appearing on my credit report. Despite my repeated disputes concerning these erroneous accounts, Experian has failed to correct or remove the discrepancies. These inaccuracies are damaging my credit score and creating misleading representations of my financial history for potential lenders, which directly impacts my financial opportunities and stability. I have contacted both Experian and the companies responsible for the inaccuracies numerous times, but no resolution has been provided. This negligence is causing undue financial harm and must be addressed immediately.
Product: Credit card

On XX/XX/year>, First National Bank of Omaha ( FNBO - BP ) sent me a letter thanking me for my expedited payment. However, the letter stated that my bank said the account information I submitted was invalid. I submitted this payment on the FNBO phone automated system. I was issued a confirmation number and money was taken from my bank account. 

On XX/XX/year>, First National Bank of Omaha ( FNBO BP ) sent me another letter stating that my bank returned my payment and marked the account as no account found. I was charged a {$25.00} 'payment dishonored ' by FNBO XXXX 

What I don't understand is : 1. If the account I entered was invalid, why did FNBO issue me a confirmation number?

2. How was FNBO able to take the money from my account and put it back into my account if the account was invalid. 

This same issue happened earlier this year. I may be completely wrong, but I believe that FNBO does not want me to pay on my account early or pay the minimum payment plus the interest on my account because they are not able to make any money on my account if I continue to do this. Basically, I am being penalized for paying early and paying the minimum payment plus interest.
Product: Money transfer, virtual currency, or money service

I had a double charge on my account thought I was getting help from chime customer service and it was a scam, had me downloading a app gave me a code to put in then started screen recording my phone sent {$950.00} to they self and blocked me.I had got paid Thursday night Friday it was gone and chime is no help this happened XX/XX/XXXX today is the XXXX I sent over a lot of information to them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXX XXXX  XXXX XXXX, LA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Original creditor name : PREMIER AUTO CREDIT ( Reason for investigation : Inaccurate Information, Please Un-verify & delete this information )
Product: Checking or savings account

At the end of XX/XX/year>, I received notification that my Chime account will close. My account closed with about XXXX total of pre authorizations hold from hotel deposits. This was XXXX ( XXXX ) transactions in my checking and XXXX ( XXXX ) transactions on my XXXX account. The funds were released in the checking account, however, posted in the creditbuilder account. Despite, sending chime documents from that merchant ( XXXX XXXX ) stating that they didnt post the transactions, Chime refuses to reverse the transactions. I have contacted Chime customer service agents over XXXX  times since XXXX XXXX XXXX, requesting documents about the closure, rescinding the posted transactions and a closure check. To date I have none of my money.
Product: Vehicle loan or lease

CreditMax unlawfully/fraudulently accessed my personal credit information from a car dealership. Using this information to perpetrate the fraud of a loan which was NEVER paid. CreditMax then fraudulently collected on unpaid fraudulent loan by garnishing XXXX dollars from complainant.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX 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: Payday loan, title loan, or personal loan

I applied for a personal loan. After some back and forth I decided to withdraw my application. Their process was flawed and i lost faith in their ability to be on top of things. i asked them to remove my collected data from the application from their database. They refused. When i asked them to explain why they said it was against the Fair Credit Act rules and regulations. I asked them to send me the particular section relating to that, several times, and have heard nothing back.
Product: Credit reporting, credit repair services, or other personal consumer reports

the inquiries are unauthorized and that I want them removed from my credit report.I contacted Equifax by phone several times and they didn't attempt or try to remove but told me to dispute them and that the results came back accurate And I Kno that wasn't true because I never authorized any of them.XXXX put a Identity Thief on report due to the unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

A lot of the accounts created like XXXX  XXXX XXXX isnt mine. Reissue all my lonely in a prepaid bank card and send it to me
Product: Debt collection

I have a loan through Omni Financial in an approximate amount of XXXX dollars. The company told me that I had to make an allotment or they would go to my bank and take money directly from my account. Not realizing that the actions done by Omni were illegal my financial adviser seen this allotment and told me to terminate it immediately. As well an employee from Omni spoke to her husband to contact me about paying the loan. around the end of XXXX I revived a phone call from her husband which is my co worker as well.Telling me that I need to answer his wife and pay Omni. Once I got off the phone with the husband, my spouse immediately told me to go see JAG. The JAG office told me that Omni violated the fair debt collection act and need to speak with my financial adviser also write a letter to Omni on why they will not be receiving funds from me. I have not written the letter yet, I do need further assistance with what to put into the letter. My financial adviser directed me to one of your agents to get further help.