23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

In XX/XX/XXXX purchased a XX/XX/XXXX Chevy Impala. Since then I believe the car sold to me is a lemon. In the past year I have experienced many different problems, along with constant recalls from the transmission and the ignition which is linked to accidents. None of these problems have been fixed. I recently took the car into a service center and they informed me of not only the problems I was aware of, but also they then informed me not only was the car not worth the blue book value, but the engine was going to fail probably within the next week. I have since then decided to turn the car back into the place of purchase and have called and informed of the decision to return the car. Since then I have received constant harassing phone calls from them, but I have informed them I ca n't bring the car in because they have zapped the car so I am unable to drive the car to them. I did inform them the location of the car so they can come and retrieve it. During the entire process I feel as though I have been disrespected by several members of their staff and was not dealt with in a professional manner. I also feel as though they have threatened me and told me how " they '' will handle the situation. There is a right and a wrong way to deal with a customer, and their customer service has been appalling. My final conclusion is that B & B Auto is a company that is not honest and will sell a car to anyone if it means them making a dollar. They are disrespectful and do n't value their customers. Sadly I have heard this about them before, but now I have experienced it for myself and will not be recommending them to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, a letter was shown delivered to NCTUE. In that letter was a request for my full consumer disclosure, security freeze, and deletion of my information from the company. I had never contacted this company prior to the initial letter that was received on XX/XX/2021. 

Today I received a letter stating they were missing personal ID identification needed to process the security freeze request. This is weird because in the body of the letter I have all my identifying information and I also included a photocopy of my driver 's license and a utility bill. 

Also, for them to send me this letter about a security freeze means they also saw the part of my letter asking for my consumer report and info deletion because all were requested in the same letter. If they can not place a security freeze because my information has been deleted then that's fine, but send me a letter confirming the deletion of my information. They still have not sent my consumer disclosure either.
Product: Credit card

I was offered a 0 % introductory balance transfer by American Express on their " Blue Cash Everyday '' The offer was to expire XXXX XXXX 2016. Speaking with a representative on this day, XXXX/XXXX/2016, I was informed the offer is still available and I would be able to do a balance transfer from my XXXX card to the new Amex card in the amount of {$7800.00}. Today, XXXX XXXX, 2016, I received a letter from Amex ( dated XX/XX/2016 ) stating the offer was declined because the limit to transfer may not exceed {$7500.00}. When I called Amex today XXXX XXXX 2016, I questioned " their '' error hoping to discuss with a higher authority. However, I kept getting transferred to noone of authority after multiple request to speak with Management that can discuss and solve the issue at hand. I also requested a number other than a XXXX number I could call. No such luck. Between XXXX and XXXX XXXX XXXX, 2016 my paitience had run out. Clearly my call was not going to get transferred to the correct level of Management to resolve the issue. After being transferred 5 times, my last words to an Amex rep were " I do not need you to put me on hold, I have been transferred 5 times and again not to a person that can help me. Please give me the contact name and phone number of a person in Management that can hand ; e this situation and do not put me on hold '' ... .you guest it, I was placed on hold! 

My aim is to have them accept the mistake by their employee of quoting the price of {$7800.00} and have them honor the original balance transfer offer that I was presented with even if it is to be the {$7500.00} limit that they are claiming. But my point is " their '' employee has made the mistake, not the consumer! 

Thank you for your time and patience in reading my complaint and for your dedication to public service.
Product: Checking or savings account

On or about around XX/XX/2023 through XX/XX/XXXX of 2023 I had my federal tax return deposit into my newly open Chime account expecting to receive my funds. On XX/XX/XXXX of 2023 at XXXX XXXX was in an accident on interstate XXXX XXXX Alabama I was rushed to XXXX XXXX and due to injuries when I was discharged on or around XX/XX/2023. I went to log into my Chime account on my laptop to see that my funds were deposited into my account, but there was 98 unauthorized transactions. I reached out to Chime to dispute the transactions. They denied my claim, claiming no ever found. I did a rebottle dispute still to come to the same conclusions I sent over hospital discharge report a police report and a signed statement from an officer, stating that I did not authorize transactions and I was hospitalized at the time with this being said, I was supposed to receive a provisional credit on XX/XX/XXXX of 2023 only to be told again no error found. I am on my third we rebuttal with this company with no relief in sight. Something needs to be done I did not, have my ID nor my wallet or phone which was reported stolen in the police report and hospital discharge report it also states I was brought in, with none of the above, so for this company to keep stating that they see no error is beyond me only thing I would like is my money to be placed back into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Date : XX/XX/XXXX Re : Fraud/stolen identity To whom it may concern, I am addressing above since there are several companies to which I must address this issue to : My name is XXXX XXXX. My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 
I would like to say that I have never requested nor have given authorization for anyone to request or act on my behalf in requesting any form of credit cards or loans or anything of this nature. 

I had a roommate for many years. His name was XXXX XXXX. Since, I am homebound he took care of all household issues and my affairs. I am elderly and get confused easily, and so he had access to all of my personal information. He never gave me a reason to doubt his sincerity. He would go to the bank for me, did the household shopping, take me to Dr . Appointments and handle the mail and bills. 
I have my own separate bank accounts. He had his. 

However, Mr. XXXX passed away at home on XX/XX/XXXX. It was a great shock to me and has saddened me tremendously It was at this time that I started to get my own mail and making arrangements to get assistance from friends and family. 
To my surprise I started getting bills from different credit card companies in my name. 

I was so confused and did not understand, I reached out to my friend, XXXX XXXX, who has been guiding me. It was she who discovered that there are approximately 5 ( as of XX/XX/XXXX ) that I know of credit cards with outstanding balances. 

Most recent I received new credit cards showing my name with a second card showing his name. 

In the more than 40 years that I intrusted him I would have never imagined him doing this. 

I humbly request all accounts to be closed. Since these were fraudulently opened without my knowledge nor consent. 



XXXX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX spoke to Ms. XXXX and advised of the ID theft. She referred me to Ms. XXXX of the faraud dept who advised me to fax all documentation which was done on that date at XXXX. My fax indicated received. 

As of today XX/XX/XXXX nothing has been received and bills still coming.
Product: Debt collection

Moved out of our Apartment complex at the end of lease after purchasing home on XX/XX/XXXX. We cleaned apartment and turned over keys this day on XX/XX/XXXX as the last day on the lease. Email was sent to us on XX/XX/XXXX, that we owe {$660.00} after all the deposit is used and we had 10 days to pay off our debt and collectors will be contacting us. I disagreed with the charges for new carpet as it was listed and stain to the paint. We lived there from XX/XX/XXXX through XX/XX/XXXX. Also prior that apartment had been rented out to others 6 months before for a total of XXXX years of life on the carpet. They wanted to charge us XXXX for the carpet and XXXX for the paint. I found articles that the carpet should be prorated and I should only be charged for the expected life of the carpet left. I found articles that state stated I should pay the remaining cost of the life which was set at 5 years. I should only be charged 1.5 years remaining life only and we settled for paying less. A new statement was sent to us XX/XX/XXXX for XXXX and we agreed to pay. Check was delivered on XX/XX/XXXX and cashed by the apartment complex. On XX/XX/XXXX found out a debt collector was after the original statement amount of {$660.00}. Reported to the apartment complex and mentioned this was an accounting error to us. Contacted debt collector and told them what had happened and they wanted us to submit a claim and they already reported us to creditors and these errors happen. We since have lost points on credit report from XXXX to XXXX and we feel this was a mistake of no fault of our own. Waiting on the collection agency to address this now. 

Thank you for contacting Hunter Warfield regarding account number XXXX Hunter Warfield has received the documentation you have sent and needs additional time to investigate. As soon as we have a response from our client, we will complete our investigation and promptly forward our response and any applicable documentation to your attention. 

If you have any questions, please feel free to contact our office at XXXX. Hours of operation M-F XXXXXXXX XXXX. We look forward to helping you resolve this matter. 


Support Services Department XXXX XXXX XXXX XXXX | XXXX, FL XXXX | Tel. XXXX XXXX | XXXX | Fax. XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell the XXXX credit bureaus 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$890.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$79.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX-************** Balance Owed : {$380.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Student loan

I have a Discover student loan current under repayment. The loan has been constantly increasing the APRs that are now around 9 % and the minimum payment is coming to a total of {$1600.00} per month. The company was providing me with a lower monthly payment ( {$1200.00} ) that was basically only paying the monthly interest but not decreasing the total debt at all which is extremely frustrating but at least I was being able to keep the payments on time. They have stopped the lower payment option and have demanded me to pay the total minimum of {$1600.00} since XX/XX/XXXX when I was told that after paying 6 full payments they would be able to lower the interest rates for 12 months, thus allowing the minimum payment to decrease to relieve some student loan burden. With the payment of this month ( XX/XX/XXXX ), I have now completed the 6 months full payment as they have requested and now after contacting them to get the 12 month lower interest rate, I'm being informed that I have no options available to me anymore and I either continue to pay the full amount or apply for forbearance which will only complicate things since it will only make the minimum payment much higher. All my student loans combined already come to a total amount of {$1800.00} which corresponds to more than 50 % of my monthly salary. I would love to pay the entire amount or even more to get rid off this debt as soon as possible, but right now I just can't. I don't have the financial means to keep up with such a high bill. I still have to pay for other expenses that are necessary for my personal well being such as rent, utilities, food ... Discover has no interest in helping whatsoever even though they have already made tons of money on interests alone. The United States government should start a comprehensive investigation against this company which has been exploiting students all over the country.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. EXPERIAN has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with EXPERIAN. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . They have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Product: Credit reporting

during the week of XX/XX/XXXX, I had XXXX inquiries, XXXX public records and XXXX collections accounts removed from my Transunion credit report. 
I then checked my credit report on XX/XX/XXXX, the inquires, public records and collection account were added back to my credit report. 
It is my understanding that the credit reporting companies are suppose to contact you within 5 days of adding back any information that was previously removed.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

I already have a complaint opened against loancare, complaint # XXXX due the way they have have treated me ... and the complaint has done nothing! First, they have yet to respond to my first complaint, and second, when either myself of my authorized third party calls in ... we just get the run-around. Both myself and my authorized third party has called in 6 times within a 45 minute period only to be transferred to the bankruptcy department where I sit on hold for 10 minutes only to have someone answer the call and hang up. I call back, and I 'm told that I am being transferred to loss mitigation, and no one answers the phone ... I just get a random persons voice mail ... i leave a message do n't get a call back. My Authorized third party calls in, and all of a sudden loan care ca n't find the authorization I signed ... and Lastly, I still have yet been told who my loan file is assigned to? Is my loan not supposed to be assigned to a single person? ... I submitted a complete request for mortgage assistance to fax # XXXX on XX/XX/2016. I received fax confirmation that it has been received, I ca n't speak with anyone at loancare ... and when I ask to speak with management all they do is put me on hold forever until I hang up. This is ridiculous! ... they are messing with my home, please help! This is what has been happening for the last 2 years! This is why people lose their homes! Please help more than just forwarding this complaint to Loancare and think they will do anything.
Product: Student loan

EdFinancial is telling borrowers that refund requests will take up to 300 business days, not including weekends or holidays. One representative stated that 2,000 requests have been sitting since XXXX. There are screenshots with proof of this on XXXX. Other servicers are completing requests in anywhere from 1-6 weeks. When asked, they have no valid excuse to provide for this situation. This is completely unacceptable and shady on their part. Many of us feel they are trying to mislead or dupe us, just as they had regarding XXXX. 

I called and received this information from customer service on XX/XX/2022, as have many others.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to urgently request your intervention in rectifying significant inaccuracies and unauthorized disclosures on my credit reports held by TransUnion and XXXX. These inaccuracies not only unfairly affect my financial standing but also represent clear violations of federal laws designed to protect consumers. 

Specific Concerns : Unauthorized Hard Inquiries : My reports include hard inquiries from CXXXX 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  not excluding The credit accounts ; that are being ILLEGALLY REPOTED made without my consent. This violates the Fair Credit Reporting Act ( FCRA ), specifically Section 1681a ( i ).

Erroneous Accounts and Late Payments : Entries related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX including late payments, need immediate correction. The Truth in Lending Act ( TILA ), 15 U.S.C. 1666 ( b ), protects against unfair billing practices by ensuring accurate reporting. 

Banking Transactions and Unauthorized Disclosures : The inclusion of banking transactions and the reporting of negative information by the aforementioned entities breaches the XXXX XXXX  ( XXXX XXXX, 15 U.S.C. 6802, aimed at protecting consumer privacy. 

Immediate Actions Required : Removal of All Negative and Inaccurate Information : I demand the immediate removal of all negative and inaccurate information from my credit reports, including unauthorized hard inquiries, erroneous accounts and late payments, and any unjust banking transactions. 

Prompt Update of My Credit Report : Following the removal of inaccuracies, my credit reports held by TransUnion and XXXX must be updated promptly to reflect the corrected information within five business days from the receipt of this notice. 

Compliance Deadline : I hereby provide TransUnion and XXXX, along with the implicated entities, a strict deadline of five business days from the receipt of this notice to implement these significant corrections and updates. Failure to address these concerns within the specified timeframe will compel me to pursue further legal action to enforce my rights and seek remedies for the resultant damages. 

This situation demands your prompt and serious attention. The actions I am requesting are not only within my rights under federal law but are also critical for rectifying the harm done to my financial reputation. 

I trust that the Consumer Financial Protection Bureau will act swiftly to ensure compliance and uphold the protections afforded to me under federal law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XX/XX/XXXX.