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

At the purchase of this car and subsequent loan on XX/XX/2022, I was promised repairs that did not happen, twice. At the test drive there was pulling at the steering wheel and a jerk when you accelerate. 

The salesman said they can fix these issues because it still has to go through servicing and it could been done then. I waited 4 weeks and was called to pick up my car. During those four weeks I was contacted by the loan company and I let them know I did not have possession of the car and it was being repaired. I asked the dealership when the car was to be ready and for my contract paperwork and disclosures. They kept telling me in a few days and to tell the lender I had the car since it was already paid for. Naively I did yet no repairs were made in those 4 weeks. 

I was called to pick the car up in XXXX and I immediately called back to tell them the issues were still the same nothing had been fixed. They told me to drive back another hour the next day to bring the car back. I did and the car sat for another month and I was finally called and told that I would need to go to a XXXX dealership and use my warranty for the repairs I was promised at the purchase! 

I as very frustrated at this point because it was my first car and I paid {$22000.00} and {$5000.00} down to make sure my family had reliable transportation. So I contacted their corporate office and received a call from a manager to come in and exchange the car. When I came back, again, I looked at a car I loved, credit was ran, again, and I sat and waited to be helped. I arrived around XXXX XXXX and sat there until XXXX. Salesman started to leave for the day. I had my family of XXXX with me so we stepped outside to let the restless children run around. The manager came out to ask if we needed something or had been helped. I explained to him and he told me I was upside down and they couldnt do anything. That was it. After all of that, he told me nothing could be done. 

Additionally, no disclosures were sent to me. According to the truth in lending act I should have 2 copies of disclosures sent to me after purchase to know my rights. 

The dealership fraudulently secured my purchase.
Product: Checking or savings account

My Chase checking bank account was closed by Chase on XXXX  with no reason. And then I went to branch on XXXX and they said the check of my balance has been mailed out.Then I have called the customer service on XXXX, they said my check will arrive on XXXX. And I called Chase today, they said my check has never been mailed, said it is under legal review and don't know when can send back my money. They are lying to me giving me false information about the money will mail to me.
Product: Vehicle loan or lease

Bridgecrest polices have no effect over my rights as a consumer I have exercised my rights and by law I can opt out of any reporting at any time. This will be a continuing of Civil liability for negligent noncompliance and a violation of the privacy act of Privacy Act of 1974 ( 5 U.S. Code 552a ) as well as 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Bridgecrest did not follow the proper notices in accordance with 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; I as a consumer have rights that are protected by this laws and Bridgecrest DID NOT follow the proper notices as forms where omitted. And the fact that I have sent in my own letter for notice to opt out but Bridgecrest continues to violate my privacy. Bridgecrest has no leg to stand on to continue to report without my consent. I will not stop until this matter is handled XXXX and a claim will be filed if this continues. I demand immediately that this account be removed from my report. I have that right and Bridgecrest no longer has the right nor any policy to use against my rights for there negligence. Federal questioning will come into play for this along with securities and commodities, and to insure that a forensic audit by a series XXXX with a screenshot from the XXXX XXXX  being completed
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes with EQUIFAX, XXXX and XXXX and the same INACCURATE and NEGATIVE information continues to appear on my credit file despite me submitting the necessary " supporting documents '' to prove it. As a result, my credit score continues to fluctuate between XXXX - XXXX, -- which is horrific. Prior to the identity theft ( XXXX ) my score was in the XXXX range, and it should be in the XXXX by now. I am dealing with a known hacker, and I strongly believe that he is RESPONSIBLE for somehow ALTERING my record. He has sent me FAKE Social Security documents. I just had all the funds drawn out my account in XX/XX/XXXX, and for the life of me he continues to alter and POST INACCURATE info on my file with ALL three Credit Bureaus, -- and NO ONE IS ABLE TO STOP THIS FROM HAPPENING!!XXXX XXXX ACCOUNTS **INQUIRIES : XXXX, DEFINITELY NOT ME APPLYING FOR CREDIT -??? XXXX XXXX XXXX XXXX : CHARGE OFF-??? -- ( PAID IN FULL ) XXXX **XXXX XXXX XXXX XXXX  XXXX : CHARGE OFF-??? -- ( PAID IN FULL ) XXXX INSTALLMENTS ACCOUNTS *XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ) FRAUD ACCT I did not open nor do I have any knowledge of this account whatsoever! XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : ( PAID IN XXXX ) **JOB HISTORY : INCOMPLETE REVOLVING ACCOUNTS **INQUIRIES : XXXX, DEFINITELY NOT ME APPLYING FOR CREDIT -??? 
XXXXXXXX XXXX XXXX XXXX  : CHARGE OFF-??? -- ( PAID IN FULL ) XXXX **XXXX XXXX XXXX XXXX XXXX XXXX  CHARGE OFF-??? -- ( PAID IN FULL ) XXXX INSTALLMENTS ACCOUNTS *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX ) FRAUD ACCT I did not open nor do I have any knowledge of this account whatsoever! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : ( PAID IN XXXX ) **JOB HISTORY : INCOMPLETE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Debt Validation Request Account # : XXXX To Whom it May Concern : I am writing regarding the above-referenced account that you claim I owe in the amount of {$2700.00}. I am requesting validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide me with the following information : Proof that I owe this debt, including a copy of the original agreement or contract with my wet signature.

The name and address of the original creditor.

A detailed breakdown of the amount of debt, including the original balance, interest, fees, and any additional charges.

Evidence that your agency has the legal right to collect this debt, including the full chain of assignments or transfer of ownership of the debt. This should include documentation showing all transfers from the original creditor to your agency.

Confirmation of the statute of limitations for this debt, including the date of the last payment or activity on the account.

Additionally, I request that you cease all communication with me regarding this matter until the requested information is provided. I also request that this debt not be reported to any credit reporting agencies until it has been properly validated.

Please respond in writing within 30 days of receiving this letter and send your response to the address listed above.

Thank you for your cooperation.

Sincerely, XXXX XXXX XXXX
Product: Debt collection

An account was opened in XX/XX/XXXX with a company called XXXX XXXX XXXX in amount of {$1600.00} in XX/XX/XXXX another company called Midland Funding purchased the account they put the account in collections in the amount of {$2100.00} I did not open this account. On XX/XX/XXXX Midland Funding brought me to small claims court. The Vermont XXXX XXXX in XXXX XXXX XXXX ordered the case be dimised without prejudice docket No. XXXX XXXX as of XXXX. XXXX XXXX Midland Funding and XXXX XXXX XXXX  will not remove the account from the three credit bureaus even after disputing them with the all 3 credit Bureaus and providing the court documents to the credit Bureaus because of this I am not being able to refinance my current home because it is affecting my credit scores. I have been trying since XXXX of XXXX to get this removed. I know it falls under the fair credit reporting act.
Product: Checking or savings account

To whom this letter might concern. 

My Name is XXXX XXXX. And I am writing this to inform CFPB, on The level of disrespect, I have received from Bank of America, back in XXXX I filed for unemployment and I never received any letters from unemployment sating if I would get unemployment. So again I filed another one In XXXX, The same thing no letters, no phone calls. I eventually got a job in XXXX XXXX and no longer needed unemployment. 

In XX/XX/XXXX I was preparing for XXXX, spoke to representative that works for unemployment who at that time was helping me file for XXXX, during our time on the phone.The representative informed me that they have been paying me unemployment since XXXX, and I should have received a card from Edd, Bank of America. I than explained to him that I have never received any card from bank of America, XXXX XX/XX/XXXX, I received a card from bank of America. XXXX informed me to call them, so I can request a card, XXXX were sending my payments on that prepaid bank of America card. when I signed up for mobile banking, I notice all these deposits from XXXX all unemployment. I also noticed that the money was being sent to a different bank account, I called bank of America and informed them that It was fraud that happened on my account that I have never seen or done. The area that these transaction were happening was in XXXX XXXX, I have never been to XXXX. and some city 's in California, I live in XXXX XXXX California  I reported the fraud and the amount that was stolen from my account was XXXX that unemployment sent me. Bank of America did not bother to investigate, They sent me a letter stating that they don't see no fraud on my account, XX/XX/XXXX I spoke to a bank of America representative who informed me that on XX/XX/XXXX. That a card was issued out to me. which I never received, They are withholding information on where they actually sent the card. they keep denying the claims and the last time I checked that's breach of contract and holding me liable for something I did not do. there is a policy that Edd has for situations like this and that is zero liability If fraud were to happen on my card or account. I also sent them over a police report but they are not helping me at all I need help!!!!!!!!!!!! 
Best regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint to CFPB : Unauthorized Reinsertion of an Account by XXXX Dear Consumer Financial Protection Bureau, I am filing a complaint regarding the unauthorized XXXX of an account by VANCE & HOFFMAN XXXX XXXX, on my credit report by XXXX XXXX in violation of the Fair Credit Reporting Act ( FCRA ). This XXXX has caused me significant harm, including lowering my XXXX XXXX and creating undue stress, making it difficult for me to obtain credit. 

Details of the Issue : The last time I saw this account from VANCE and HOFFMAN on my XXXX credit report was in XX/XX/year>. 

From XX/XX/year> to XX/XX/year>, this account was no longer present on my XXXX credit report. 

On XX/XX/year>, the account suddenly reappeared without any prior notice or verification from XXXX Potential FCRA Violation Lack of Notification for Reinsertion by XXXX UNDER THE FCRA XXXX ( a ) ( XXXX ) ( B ), if an account is reinserted after being previously removed, the XXXX XXXX XXXX is legally required to : XXXX. Notify me within XXXX business days of the reinsertion. 
XXXX. Provide the name and contact information of the furnisher who requested the reinsertion. 
XXXX. Ensure that new, certified information was provided to justify the reinsertion. 
In this case : I was never notified by any credit bureau ( XXXX, XXXX, or XXXX ) that the account was being reinserted. 
No verification of certified information was given to me. 
The accounts sudden reappearance negatively impacted my XXXX XXXX, affecting my ability to obtain credit and financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an illegal collection that has been reported on my TransUnion credit report. The collection is for a debt that I am not responsible for, as it was incurred due to a work-related injury covered by workers ' compensation in Texas. 
According to Texas Department of Insurance, Division of Workers Compensation, providers/collectors are required to send bills related to workers ' compensation claims to the carrier. However, the collector in question has disregarded this requirement and reported the collection on my credit report. 
This action constitutes a violation of my rights and is illegal. 
The continued listing of this collection despite previous investigation suggests that Their procedures have not been adequate in this case. I have attached copies of the relevant documentation, including the workers ' compensation claim and the insurance carrier info, to support my claim.
Product: Debt collection

On XX/XX/XXXX I received an email stating that Eloanwarehouse believes I committed fraud with getting my loan. I made one payment but couldnt afford anymore and if I was committing fraud I never wouldve even made one payment but then they tried to say my balance was {$3200.00} I didnt even get that much for the loan but when I clicked on the payment options link it stated my balance was only {$690.00} completely which I will attach. I contacted them back via email and stated Id only do the balance of {$690.00} and I set up a payment arrangement then received an email from XXXX stating theyd take {$800.00} and I again said I would only pay {$690.00} and XXXX then responded saying she didnt see an arrangement for the {$690.00} so i submitted documentation show the offer and arrangement and then I never heard back, because I never heard back I did not complete the arrangement as I was told they couldnt see it on their end and I was not going to pay on an arrangement they were saying they couldnt see. I absolutely refuse to pay {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX placed a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. 

I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency, XXXX XXXX XXXX, bought it from another. 

Today XX/XX/XXXX, I receive an email from XXXX that there was a change in my credit score.  XXXX dropped my credit score 63! points for an account that has been proven to be fraud, more than ten years old and has been repeatedly removed from my credit reports because it is fraud and more than 10 years old. And now today the same fraudulent account is on my XXXX credit report twice!! It was first placed on my credit report on XX/XX/XXXX and again by the same company on XX/XX/XXXX So one day after I disputed the account as fraud and over 10 years old and before any investigation was even begun XXXX penalized me with a 63 point credit score decrease and allowed them to place the same identical fraudulent account on my credit report that I had just disputed two days earlier These repeated errors by XXXX, XXXX and Transunion are cause for investigation into the companies themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint for Commonwealth Financial Systems as they reported to all three credit bureaus # XXXX for the amount of {$1200.00}. The case was closed and the reports were removed just to reappear on XX/XX/2017 for a different amount {$590.00}, I just git remarks removed from XXXX as Im going the mortgage loan process now Commonwealth Financial Systems has placed those same negative remarks back on my credit report. I do not know how Commonwealth Financial Systems obtained my information. These fraudulent debts are not mine.
Product: Credit card

This is a complaint against Bloomingdale 's Credit Card ( American Express ). The motive of this complaint is because I have both of the credit cards blocked for about 2 to 3 weeks. I have a high frustration for the personnel that functions these credit cards. Every time I buy something in the store, I have to keep calling the Department of Fraud to keep verifying my identity. I can understand that it would happen a couple times by error, but it has happened 10 times. I am insanely mad with the waste of my time and credit because of the frustration of this situation. What else do they need? They keep calling and I have to keep verifying my identity every time. They send me messages with codes, I give them codes and this keeps going on. I ask them, how far will this go? I ca n't do anything or check anything because of the constant blockage. 10 days ago I had bought a large amount of items and when I went to pay the account was blocked once again, and once again I had to do the whole process over again. But this is the limit that I 'm going to take with my patience. This department of fraud says that I have to receive a letter and follow those steps to get my account to normal. They told me that I had an account for Macy 's and it was opened by fraud, which is true because I was a victim of identity theft but this problem was resolved with the Department of Fraud of Macy 's. And everything was resolved through that department and Consumer Financial Protection Bureau. I am tired of the lack of respect with so many verification that I have to do.
Product: Credit card

My Victoria 's Secret credit card is being charged a fee for account protection by XXXX XXXXXXXX, that I have never signed up for their services. This XXXX XXXX company has been billing my account for years, and I failed to notice it, since the bill is online and there is a balance on this account. I always made my payments on time, never missed a payment. about XXXX years ago my husband asked to see the statement and we discovered this issue. We contacted victoria 's secret customer service right away and they promised to escalate the issue and contact us. They also advised us to contact XXXX XXXX directly, which we tried at that time, but after long ( over XXXX minutes hold ) we gave up. I am ashamed to say that I forgot about this issue again ( we have XXXX XXXX XXXX ) until again my husband asked about this account. I have checked the account and I saw that XXXX  XXXX is still billing my account ( depending on month ) from {$39.00} to {$41.00} + per month. This is fraud being committed by both companies : XXXX ) XXXX XXXX is/has been billing my account for years ; XXXX ) Victoria 's Secret bank is assisting them to do it and won't investigate, even though I specifically stated that I am a victim of fraud. 
Second conversation took place about XXXX week ago, I first spoke to fraud department, they, without specific reasoning transferred me back to customer service. Than I spoke with XXXX ( ID number XXXX ) from escalation department, that was not much help either. She kept promising she will resolve the issue and keep asking me to call XXXX  XXXX, a company that as far as I am concerned is committing fraud. I specifically demanded that she terminate the XXXX XXXX and XXXX refused to do that by telling me I need to contact them directly. They have charged my account for at least XXXX years and I am positive this is a company policy and Victoria 's Secret bank is fully aware of this issue and they are practicing this against other customers as well. Please help me solve this issue.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

ESTABLISHED AND RECEIVED XXXX GOV'T TRAVEL CARD AT MY HOME ADDRESS WHICH I HAVE RESIDED FOR ( 2 ) YEARS OF XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX 

IN XX/XX/2020 CITIBANK INEXPLICABLY SENT ( 8 ) STATEMENTS DATED FROM XXXX THROUGH XXXX TO AN INCORRECT ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. AT NO TIME DID I CHANGE MY ADDRESS ON MY CITIBANK ACCOUNT PROFILE OR DO A CHANGE OF ADDRESS THROUGH USPS. I WAS FINALLY MADE AWARE OF STATEMENTS LATE XX/XX/2020. 

THE STATEMENTS DISPLAYED AN INCORRECT PAST DUE AMOUNT ON ACCOUNT, WHICH DUE TO THE STATEMENTS SENT TO AN INCORRECT ADDRESS, DIRECTLY NEGATIVELY IMPACTED MY ABILITY TO RESPOND TO ISSUE IN A TIMELY MANNER, RESULTING IN MY ACCOUNT BEING CLOSED. THIS HAS CAUSED UNDUE HARDSHIP AFFECTING MY ABILITY TO PERFORM MANDATORY DUTIES TO TRAVEL AND PARTICIPATE IN REQUIRED TRAINING. 

I RECEIVED A TRAVEL VOUCHER RECEIPT FROM THE XXXX XXXX XXXX  THAT PAYMENT WAS MADE TO TRAVEL CARD FOR CHARGE BALANCE REFLECTED. I HAVE CONTACTED DOD WHICH IS CURRENTLY ADDRESSING CORRECTIVE ACTION ON ISSUE. 

I HAVE ATTACHED THE FIRST AND LAST OF THE ( 8 )  STATEMENTS SENT TO INCORRECT ADDRESS FOR YOUR REFERENCE.
Product: Money transfer, virtual currency, or money service

Our company was subject to an email hacking incident around approximately XX/XX/year>. The target of this attack was client contact information for the purpose of initiating wire transfers. The hackers created a domain spoofing ours, and the hackers impersonated a staff member who had previously communicated with our clients about legitimate wire transfers to our company, and emailed them ( the email hack gave them all our clients ' emails ) attempting to initiate new wire transfers. They provided clients with a Citibank account that was fraudulently created in our name. On XX/XX/XXXX and XXXX, our own bank representatives and staff from our company called Citibank attempting to report the fraudulent account that was created in our name and that was actively attempting to initiate fraudulent wire transfers. Citibank said they not only wouldnt investigate this incident, they wouldnt even take our report or the fraudulent account number. We asked Citibank how to report fraud to their company, and they repeatedly said they would not take any reports of fraud regarding any of their accounts. At this time, it is unclear whether any of our other clients have been scammed into transferring money to the fraudulent account, which will likely be much worse due to Citibanks inaction and refusal to take reports of fraud. We reported this incident through the FBIs Internet Crime Complaint Center.