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

Good evening, I got an auto loan in WestLake financial institution company in XXXX. I bought used XXXX XXXX of XXXX. I had been a diligent payer until the Pandemic situation took place in the US, accordingly, I lost my job and all my income. I wasnt able to make a full monthly payment to the WestLake company. I tried to arrange my payment with this company, calling them virtually every day and begging them for help. However, it wasnt successful, they told me that they can not help me with this and I would have to make a full payment, no matter what. I couldnt find money to pay the car, so then they come to my house at night and towed my car with all my personal things in. 
I didnt even get any notice from WestLake that my car was going to be towed. I didnt know what to think, even called the police assuming that the car got stolen. WestLake reaches out to me in few days demanding a double monthly payment plus towing expenses and fees, saying they wont return a car otherwise. The also reported credit agencies, which damaged my credit score. The sum was prohibitive.. I asked my friend to lend me money to buy back my car as I was left without any transportation. As of now, WestLake imposed repossession expenses, late charges, NSF fees on my account. I asked them many times to work with me in this regard, and at least, take the fees off my account. They dont take into account that I have no job, no income, simply, they dont care. Fees are growing, and I dont know what to do with, feeling desperate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX De XXXX Prior Investigation # XXXX I am submitting this CFPB Complaint for the 4th time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the Equifax Credit Bureau will remove and block these specified remaining inquiries as a result of the alleged identity theft : Equifax : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. 


Thank you. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

Around XXXX XXXX My debt cards and information was stolen they then proceeded to withdraw all my money over XXXX  they then place a fraudulent check of XXXX in my account and withdrew it placing my account in a negative status Ive tried to tell the bank it wasnt me but there holding me liable Ive tried to do everything but have had no luck an my accounts are going to be closed ( usaa ) I had absolutely nothing to do with it and have no money left I would think atm footage would be enough to prove its not me but Ive still had no luck
Product: Debt collection

Ive noticed that this company radius global has been illegally, threatening me, contacting me to retrieve a debt that I have no knowledge about and on my credit report, there is no original creditor on XXXX XXXX. The condition is unknown, and on XXXX the condition is closed. It is not a liable death, and I will be seeking a lawsuit.
Product: Credit card or prepaid card

XX/XX/XXXX contacted Capital One credit card support because I was literally 3 HOURS late. I explained that because of covid hardships I was unable pay the bill on time because I was working extra hours to stay afloat and didnt have a chance to pay it earlier, also was explained is that I have been a member for years, paid MORE than minimum each month. She ran a check on my account and noticed that I had already used a one time courtesy so there was nothing she could do. Then I asked to speak to a supervisor who said there was nothing she can could do- I asked her if there was someone higher up, she said she was the highest for this- I said there is always someone higher up- she said that there is NO ONE THAT CAN REVERSE THIS CHARGE BECAUSE ITS POLICY. The charge was {$38.00}.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Personal Information : Previous Address 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I got a random report early in the morning saying a new account was added on my credit in my chime account for a mortgage loan or something but Ive never took em out any type of loan In my name the name of the company is MoneyLion Im not sure whats going on but this is very strange
Product: Vehicle loan or lease

Who this my Concern this Company was involved a class action law suite was inaccurate information on credit report my loan Dated Back XXXX. Ally financial just report this to my credit on XX/XX/XXXX they are in violation of the law suite they Need removed this immediately. From all report agency
Product: Money transfer, virtual currency, or money service

I was told I had a negative valence through XXXX and paid it. Then they never replied. And the support in the app said they didn't want to do anything about it. Now they won't respond to me. I've been scammed by them twice now
Product: Checking or savings account

Dear friends, I am coming to you because I am running to a situation that I have never encountered before! 

Hi, My name is XXXX XXXX and I am a resident of Maryland and a XXXX citizen living in XXXX MD and my phone number is ( XXXX ) XXXX I have a CD account with Ally bank. the principal in the CD account is {$78000.00} and account number is ending in XXXX I am taking a trip overseas to visit my uncle that is XXXX XXXX in XXXX so on XX/XX/XXXX I called Ally bank and asked {$1700.00} out of {$1700.00} that was accumulated in my account as interest to be sent to me. At first the teller gave me a hard time and said you have to wait until XXXX and it seemed that he did not know what he was talking about and I do not have any arrangement for periodic disbursement of my interest so I asked for a supervisor and she said no problem a check with XXXX send to you ... .by the way at the beginning of each call it says you will be recorded so I am hoping that there are copies of these recorded conversations. 

I waited for a week and called back to check on status of that check and this time the teller tells me " a check for {$670.00} has been sent to you '' I said I requested {$1300.00} where is this new figure coming from? She says I do not know. I asked her to cancel that and send me a check for {$1700.00} please she put me on hold for a few minutes and says okay. I put an order in for XXXX with fees waived. you should be getting a check by Wednesday before XXXX or Friday after XXXX day. 

On Wednesday XX/XX/XXXX I call to check on the XXXX mail status and I found out that no XXXX mail has been sent. I asked a compliant to be open and a manager call me but no one called me. 

On XX/XX/XXXX I called again and the lady teller would not give me straight answer weather a check has been sent or not so I checked my account and I see that again they have altered my principal in the CD and it has gone from {$78000.00} to {$79000.00} and there is only {$9.00} interest in my account. 


I don't know what kind of game this bank is playing with me and my account. It appears that they are acting in a lawless and arbitrary manner and talk liberty with a client account and I am extremally concerned plus I need my interest for the trip that is coming up very quickly. The number for Ally bank is XXXX Please help me. Thank you XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with ARS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1000.00}
Product: Credit reporting or other personal consumer reports

I contacted consumer reporting agencies XXXX and Transunion on XX/XX/23 to let them know that there are unauthorized transactions on my personal report that I want removed immediately. Both agencies told me that they can report any information sent to them from any company and they will not help me. I informed them again that the transactions are unauthorized and unvalidated but neither agency would remove the information from my report.
Product: Debt collection

Jefferson Capital has tried numerous times in the past to collect a debt that I did not owe. After years of trying to get them to remove this from my credit report and cease collection, they finally did so. However, they have tried sending collection letters to me and to an address that I have not lived at for over 20 years trying to collect money that they insist I owe them. The debt itself was already over 10 year old, but they changed the dates to say it was from 2015, which is a lie. However, per XXXX XXXX. Laws 600.5801 et seq., this debt is already past the statute of limitations even with the new date falsified by Jefferson Capital.

They are breaking the law in at least two ways : 1 ) Attempting to collect a debt that is already past the statute of limitations 2 ) Illegal contact of someone, other than myself, in an attempt to collect this false dept.

I was embarrassed to be contacted by this person from a former address that now thinks I do not pay my debts.

Based on federal law, I am due compensation for these acts. I would like to settle out of court, if possible, but am already in contact with legal council on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I sent a letter via United States Postal Service to Experian, exercising my right as a consumer according to the Fair Credit Reporting Act physical verifiable proof of several accounts on my Credit Report. I then received an email on XX/XX/ ; they recently received a request not sent directly by me. In my letter, I included a copy of my driver 's license that has my current address. I believe this was a stall tactic, as when I called on XX/XX/, they were now requiring me to send a copy of my Social Security Card or utility bill ; my Social Security Number was on the letter that was sent. I thought this was crazy and a stall tactic, as they had the proof to verify me, nor did they give those specific instructions in the email. I'm exercising my right as a consumer and demanding the proof I requested.
Product: Credit card or prepaid card

Capital One states that they will assist their customers who are experiencing hardship due to COVID related issues. 
When I contacted the customer care department for help due to a loss of income related to COVID the rep did not offer any solution other than moving my payment out but increasing the amount that would be due and a repeat payment of this higher monthly payment. 
This seemed counterproductive and irrational at resolving my current issue. 
There is XXXX support for those encountering personal impact due to financial crisis resulting from COVID.
Product: Payday loan, title loan, or personal loan

I waited nearly two months to receive my item purchased using afterpay. After still not receiving the item, and successfully completing all 4 installment payments, I requested to cancel my order for a refund. The original merchant of the item confirmed my order cancellation, but afterpay has completely ignored me regarding my refund. I have started multiple disputes through their app, but received no help.
Product: Student loan

Submitted {$2000.00} via certified mail with return receipt including a letter indicating that the contained amount was to be applied to the principle amount of my student loan. Loan provider claimed to have only received {$1000.00}, in spite of the fact that both USPS issued money orders were contained within the same envelope, and arrived unopened at the loan carrier 's PO box which was confirmed by return receipt. Following this, I was told that they had found the " missing '' {$1000.00} and applied both it and the other {$1000.00} money order toward the principle balance. I was also told that any monthly payment over {$50.00} was strictly against " policy '', but that the monies I had sent would be submitted only toward the principle. Recently I received statements from my student loan company ( Navient ), and I noticed something strange. While my payments continued, my principle balance remained the same. In addition the other {$1000.00} had not been applied toward my principle balanced as agreed upon. Upon calling Navient, I was told that any letter dictating how my funds were used were either discarded or ignored. I was also informed that any funds submitted regardless of requests was spent on interest first, and whatever was left is spent on the principle. Again I was restricted from increasing my monthly payment, and was not allowed to make a lump payment toward the principle ; instead I have only been allowed to pay less than they charge for interest ( XXXX/mo ). As it stands, I should have owed less than {$400.00} by now. I attempted to resolve this issue, but I could achieve no solution with Navient.
Product: Student loan

I was approved for the XXXX plan in XX/XX/XXXX. My account on EdFinancial 's website shows that I am under the XXXX plan ; however, EdFinancial has not been applying the interest subsidy required under the XXXX plan and my interest has grown. I was told it is applied quarterly but my statements do not reflect the subsidy. Now, my account is in administrative forbearance, which I did not ask for, which is supposed to have 0 % interest, per EdFinancial 's own letters to me. However, my interest is still accruing at 7.75 % every day. Nobody can tell me why the 0 % has not been applied to my account or when my account will be fixed. I received a letter in XXXX stating the interest on my account would be set to 0 % on JuIy XXXX, XXXX but it has not happened. I need EdFinancial to fix my interest according to the law and actually follow the law and its own statements in its letters to me. My account needs to reflect the interest that has accrued on my account as of XX/XX/XXXX and not XXXX XXXX more. It is currently showing almost {$2000.00} more than it should. 

Please note, this is my second complaint in the last year. My first complaint was based on EdFinancial adding almost {$2000.00} to my interest when my account was " transferred '' without my permission, for absolutely no reason. The interest was eventually fixed but only after months of phone calls and a complaint to CFPB. EdFinancial is dishonest and nobody can answer my questions when I call. This is illegal and unfair and wasting too much of my time. I have NEVER missed a payment in 15 years, I should be treated better than this.
Product: Mortgage

This may or may not be the right place for this complaint, but let 's give it a go. 
I placed my home up for sale. A buyer financing through Quicken Loans was interested, we agreed at a price and the process was on. Inspection went fine, XXXX appraisals were required due to selling price. The first appraisal came in at selling price. The second appraisal was " cancelled '' after it was made ( we believe that it matched the previous assessment ) and a XXXX appraisal was requested by Quicken Loans, less than 2 weeks to closing date. The XXXX appraisal came less then the selling price, and that 's just what Quicken Loans wanted. To me, it seems like Quicken Loans is forcing the seller 's price down as to minimize their " risk ''. The buyer is a physician, with real estate assets out of state, and a solid financial background. 
Both seller and buyer were packed, had made financial commitments, and then this. 
The net was a loss of {$50000.00} to the seller from the agreed price, and additional funds added to the down payment by the seller. Quicken Loans tactics are unethical, in my humble opinion. As a result of this transaction, I personally warned every person I know, whether a seller or a real estate sales person, to decline any offer that will be financed by Quicken Loans. Needless to say, the real estate agents involved, are doing the same. Maybe the the Feds can look into Quicken Loans 's practices.
Product: Credit card

when my credit card account was closed at XXXX ( a division of XXXX XXXX XXXX ) there was XXXX reward points in my account that they would not let me redeem. I do n't know how they think they can steal reward points that belong to people. the person at XXXX XXXX ( XXXX XXXX XXXX ) that did this is XXXX XXXX XXXX XXXX and her phone number is XXXX please do n't let her get away with this.
Product: Debt collection

XXXX XXXX added a collection in XXXX of 2016. I contacted them directly in XXXX of this year and again in XXXX of this year. The representative I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted XXXX again and the representative said the only way to appropriately file the fraud case was to contact the collection company directly. I called the number to XXXX XXXX XXXX provided by the representative and the representative for the collection agency said that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had anesthesia service from this company.
Product: Vehicle loan or lease

Its been one year since I have had my loan with bridgecrest. The loan is unbelieve a huge rip off. the interest rate is 24 %. My loan balance continue to increase instead of decrease no matter how many payments i pay. I have a 2017 honda accord. why is my balance still 25,000.The deal is illegal. I have tried trading in this car but every finance manager tells me how this deal is illegal. bridgecrest wont do anything but keep increasing my balance.
Product: Mortgage

I really thought i was going to get some type of help finally! My rights are being abuse by greentree! For XXXX months, ive been harrassed, conned, volilated.I 'm being robbed. I 'm asking for help again. I ca n't put nothing to the princible of my house without it being stolen from me.They are still calling my wifes phone, my phone, coming to my house as of yesterday with these intimidation tactics.My rights are being volilated in more ways then one. My address is still they same! They are not putting anything in writing, just asking for money with phone calls and house visits. Only thing i get in the mail from them is XXXX 2 monthly statements in the past XXXX months telling me i owe thousands of dollars with bogus legal fees.What am i suppose to do? They are trying to scare me out my house.harrass to the point that i give up.Again nothing in writing, just house visits and nasty phone calls. I have told them on a number of ocasions to dessist and desseest! The calls wont stop! They know i ca n't afford no attorney, being i 'm XXXX. They know that! I 'm looking for class action suits against these giants! I 'm so XXXX out over this. I 'm not in good health and i know i 'm not the only person going thru this. Its taken alot out of me and my family. i just want to pay for this house and live the american dream for the time i have left. I know you all are still invetigating. is there any kind of way to stop the from all the harrassing me and my wife and stopping them from coming to my house? Anything they have to talk about can come in the mail. I 'm still paying my monthly morgage every month with every reciept. They still trying to raise my fix rate morgage! It already went up XXXX dollars more. Now they trying to raise it another XXXX dollars more. I need help! Please help!
Product: Debt collection

This debt collector is not licensed in the state of Georgia and violates the law. I have requested the item removed with threatening phone calls in return. 

I C SYSTEM Last reported XX/XX/XXXX {$4200.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 7 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX
Product: Student loan

I received a call about a loan forgiveness program. I gave some information, but nothing too vital. The caller then hung up on me. I think it may have been a scammer. Not sure if they got what they wanted from me or not. The number was XXXX