23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My XXXX XXXX XXXX  account was closed due to a false report from the XXXX driver company. XXXXXXXX XXXX XXXX has been holding my funds hostage. They claimed they would send a check for my remaining funds but never have. Its been over a week at this point. My XXXX XXXX XXXX  account is linked to my XXXX driver account. This is where my earnings go directly. 

Context : XXXX shut down my XXXX driver account within 24 hrs of me renting through the XXXX XXXXXXXX XXXX. This program allows XXXX drivers to rent a XXXX through the XXXX XXXX XXXX. The company has stipulations. You must complete at least 30 trips within the week, and you get charged on a weekly bases. As I mentioned earlier, XXXX shut off access to my XXXX driver account within 24 hrs of me receiving the rental that I paid. They said that they were doing a safety investigation. This so called investigation happened to last a week and be over the day after I had to return the rental. My XXXX account is now active. XXXX scammed me as well as other people. So in a nutshell, XXXX conspired to shut down my account, use their power to shut down my bank account, then XXXX fraudulently charged, then fraudulently overcharged me. I have evidence for everything. 


To explain the XXXX charges : *To clarify the following explains the fraudulent charges charged to my XXXXXXXX XXXX account after it was closed for no reason and in a discriminatory fashion. I called the bank and found out that my remains balance wont be sent to me ( as they said ) because XXXX overdrafted my account after it was closed. 

These are fraudulent charges. XXXX did not give me the XXXX at XXXX percent full, it wasn't even half of that. 
They charged me for an extra day, when I returned it the same day. The employee that handed me the keys told me it doesnt matter what time its returned that day because the car was given to me hours after my reservation time. He is recorded saying this. 
The cleaning fee is fraudulent. I took pictures of the interior and exterior. 
The XXXX rental itself is fraudulent. XXXX shut down my XXXX account within 24 hrs of my XXXX XXXX XXXX  ( 1 week reservation ). 
Ive added phot evidence of the charges
Product: Debt or credit management

I place this with a debt settlement company called Beyond Finance that took my money telling me they were negotiating a settlement with my Creditors after a year I found out nothing had been done,.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I had a late payment on a XXXXXXXX XXXX XXXX XXXX because I was sick with XXXX I contacted the company because a late payment was put on to my credit report the company said that they would do a Goodwill adjustment and that they would adjust the late payment in their system as well as with the credit bureaus so that it would not hurt my credit since then they sent me a letter saying that they would do so but they did not to this date they have not I have contacted them several times and each time I got the news saying that they had already corrected it in their system and they had already sent the information to the credit bureaus after contacting the credit bureau several time and putting in disputes they kept coming back saying that the company was still reporting the payment as late after contacting the company yet several times again kept getting the same story that it was the credit bureaus that were lying and had not corrected the file as of this morning I find out that XXXX 's did not do what they said they would do in the letter and are not willing to after all this time I have been a customer of their since XXXX and have never missed a payment they had agreed to this and now they're going back on what they agreed to I have a letter stating such and after contacting them yet again this morning I got a very rude supervisor who pretty much yelled at me and raised his voice and told me they had no plans on doing anything and that he spoke for the whole company Comenity Bank
Product: Debt collection

World Finance is reporting this account negatively on my XXXX and XXXX Credit consumer file. I reported this account to the Federal Trade Commission on XX/XX/2021 and this account is currently reporting still on my file. This account was listed 3 different times and they have only removed on of them so far. Two accounts remain.

Under 15 U.S. Code 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 1 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? No I NEVER GAVE CONSENT Furthermore, the FAIR CREDIT REPORTING ACT 15 USC1681b ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- - ( A ) Subject to section 1681s-3 of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; Delete the above account from my consumer report, this agency is in violation ... ... ... ... of 15 USC 1681b. 

I will be seeking damages against XXXX in the amount of {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681b violations for willful noncompliance-616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

BBVA has closed my auto loan account with the status of " charge-off '' for a past due amount of {$2900.00} in error. BBVA has already received payoff for the loan, as shown by the three attachments : 1 ) loan payoff receipt from BBVA ; 2 ) loan payoff guarantee for {$48000.00} from BBVA ; and 3 ) loan payoff confirmation from XXXX. Feel free to reach out to XXXX directly at XXXX referencing my claim # XXXX and ask for the manager, XXXX XXXX. We have already attempted to resolve the issue with BBVA through several phone calls on these dates : XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. We have e-mailed them as well. However, BBVA has been unresponsive. Also, they no longer have a phone number, only an address, listed for credit report disputes.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX, plus this account is incomplete, inaccurate, and missing data. I do not have a contract with Resurgent Capital Services or Lvnv Funding, they did not provide me with the original contract as i requested. This directly violates my rights according to 15 U.S.C. 1681e ( b ), 15 U.S.C. 1692e, and UCC 9-210 at the least.
Product: Credit card

I am writing to file a complaint against Bank of America Credit card for refusing to reverse the charges I incurred for purchase of a defective item I made on XXXX for the amount of {$320.00} from an E-bay seller " penandbeyound '' ( see attachment page XXXX ). The purchase was made towards XXXX XXXX XXXX XXXX fountain pens. I had originally complained to BofA after sending back XXXX item ( {$210.00} ) as it was DEFECTIVE ( the inner mechanism does not work ) not " broken '' as the seller claims, and wanted the seller to refund me the {$210.00} only. This XXXX item was sent back by - USPS certified mail XXXX XXXX XXXX XXXX XXXX dt XXXX - ( see attachment pages XXXX ). While BofA was investigating, XXXX decided the case in my favor and sent me an e-mail requesting me to send back both the items I purchased from " penandbeyond '' ( see attachment page XXXX ). I returned the remaining XXXX item as I had already returned the first item and I send this second item back by - USPS certified mail XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX ( see attachment page XXXX ). BofA originally sent me a form letter to fill out and send it back with the information ( see attachment pages XXXX ) which I did on XXXX. Unfortunately, BofA has not yet contacted me nor has it reversed the charge of {$320.00}. I have attached copies of all the documents that I sent BofA for your perusal. Please help me get back my money for the XXXX fountain pens I bought and subsequently returned. Thank you.
Product: Debt collection

I have contacted Wakefield and Associates by phone and an email was send on XX/XX/2020 and XX/XX/2020 to XXXX XXXX at XXXX The following statement was provided. 

I am a victim of identity theft. I recently learned that my personal information was used to open an account at a company you represent for collection. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that Wakefield and Associates absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, XXXX Police Report number XXXX Information, and Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
______________________________________________________________ At the moment no response has been received from the debt collector agency but the charges keep getting updated in multiple credit report agencies.
Product: Consumer Loan

I went to XXXX XXXX XXXX XXXX in XXXX, CA to look at vehicles with the intention of financing through my credit union. It has been my understanding that per the terms of the Patriot Act, auto dealers can require a credit check before test driving a car while it allows them to give someone a rough idea of possible financing options without submitting a formal application for a loan. However, XXXX XXXX went beyond a basic credit check and giving me a rough estimate of what they could offer and applied for a legitimate loan on my behalf without my consent or knowledge merely to try and push a financing sale. They also did not provide copies of such paperwork per the requirements of California Law. I received a letter from Bank of the West days later saying that I had been denied a loan for an amount I also did not know about. Despite the fact Bank of the West is treating this as a legitimate loan application, they refuse to comply with their obligations as creditors to also providing copies of such loan as required in the State of California. This is a case of identity theft perpetrated by XXXX XXXX XXXX XXXX.
Product: Mortgage

I requested information regarding forbearance from NewRez, but did not opt to participate in the forbearance program and have paid all mortgage payments in full and when due. I was surprised to receive a letter from NewRex approving my husband and I for the program in XXXX. I later learned that NewRez placed a comment regarding relief due to natural disaster on my credit report ( and likely on my husband 's as well ) even though we have continued to pay our mortgage on time and in full every month. 

Given that we did not actually request to participate in the program and have not availed ourselves of the benefit offered, we think it is inappropriate to have any indication regarding natural disaster relief on our credit reports. While not a " derogatory mark '' it could be confusing for future lenders and adversely impact our ability to obtain credit. 

I requested this information to be removed on XX/XX/20 over the phone and via email. 

I inquired with NewRez about refinancing on XX/XX/20 and was told that they could not generate a loan because of a forbearance on the account. I emailed and called to clarify that this is inaccurate.
Product: Vehicle loan or lease

I totaled my car and my insurance company sent payment for value of the car directly to Wells Fargo. They then informed me I still have a {$5200.00} account balance and the next payment of {$570.00} was to be paid immediately. I explained to the rep that I couldnt make that amount and asked them if we could break up the payments for a longer term and they refused. I explained that my income has gone down over $ XXXX from the prior year and they still refused to work with me. They have now applied a late payment fee to my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.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 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not requested any credit this year with those banks, at the same time I have been a victim of fraud, so at that time I had a fraud alert that these banks ignored
Product: Debt collection

Garner and Conner purchased this debt from the apartment agency I used to rent from. In email communication to me, their representative said that he would have to negotiate with former landlord on my behalf about the amount I would have to pay. He was lying, because my credit record shows the debt was paid off to the apartment company when Garner and Conner purchased the debt. They got an agreement with me on false pretenses. 

Then, my father was killed suddenly while I was negotiating with Garner and Conner. I did fall behind a little in the initial down payment but I am more than caught up at this time, even ahead of the agreement. 

Without any mail or email or call, I got a summons to court for XXXX XXXX. It is true that I agreed I could be sued if I did n't pay on time but they gave me no warning at all that a summons was in the works.
Product: Credit reporting or other personal consumer reports

This account has been closed since XX/XX/year> which is an ( 8 ) almost ( 9 ) year old account thats inaccurate and still reporting monthly payments to my consumer report. Remove this account immediately! 

XXXX XXXX XXXX ( account number ) XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, a XXXX  XXXX Bankruptcy filed XX/XX/XXXX, a collections account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XXXX of XXXX with a balance of {$6400.00}. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have been incarcerated in the Oklahoma XXXX  XXXX XXXX at the XXXX XXXX XXXX XXXX since XX/XX/2007. I recently obtained a current copy of my credit report to only find out that I've been a victim of Identity theft. I wrote a letter to Synchrony Bank regarding the Amazon store card open in my name without my knowledge or consent, along with a dispute with supporting documents showing my ( CRC ) consolidated record card along with my prison ID, social security number, a Identity theft sworn affidavits. Where the company said that my personal information match and denied the claim without an active investigation, its response was nothing more then a smoke screen dancing around the issue. Nothing in there response substantiated how I opened this account while being incarcerated for the past 14 years, they haven't sent any credit card to a prison. Any address on my credit report is a result of my Identity being stolen. And I ask that this company remove this account from my credit report because I had not opened it nor authorized and one to do so. 

ATTACHMENTS
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Name XXXX XXXX XXXX, Account number XXXX, has violated my rights. 

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. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

EdFinancial is not adding the autopayment interest discount to my account. I am currently in the standard repayment plan and have called twice about setting up autopayment, both times I registered, did not receive email confirmation and was told from customer phone support I needed to make a manual payment before the autopayment due date would kick in. I made a manual payment on XX/XX/XXXX waiting for autopayment to occur on XX/XX/XXXX, which did not occur, and called again and was told autopayment was setup and to just make another manual payment. I made another manual payment on XX/XX/XXXX waiting for autopayment to kick on on XX/XX/XXXX, but autopayment did not kick in again. Upon logging in no money was taken from the account and the payment date was changed to XX/XX/XXXX, despite no money being taken from the account and autopay not showing. 
I called for a third time and was told autopayment never was added to my account ( I have added it twice ), they have no record of autopayment signup, and that I needed to sign up again. This time, when I added autopayment, I received an email confirmation ( despite not receiving one the other two times ) and was told it would kick in 30-60 days and I would have to make manual payments again until then. This feels like a runaround to avoid the .25 % interest discount from autopayment as I have signed up and called multiple times and money is never taken automatically from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I purchased a car with a car loan. As part of that process I shopped around for a car loan. Based on information provided by Experian, this should have been treated as a single inquiry, known as rate shopping. This has instead come across as multiple inquiries and I am not being given any opportunity to fix this by Experian.
Product: Credit reporting or other personal consumer reports

There should not be multiple addresses on my credit profile, names and employers. Secondly these inquiries are unauthorized I did not inquiry of any of them and would like them to be removed from my credit report.
Product: Mortgage

We started the pre-qual process to get pre-approved to purchase new home with XXXX XXXX XXXX XXXX in XX/XX/2018 and we received the pre-approval for up to $ XXXX and we started the search process to purchase a home and started bidding in XXXX thru XXXX until we got closing date by end of XXXX by then we spent so much time and effort with our Realestat agent abd by then we spent {$550.00} for inspection and {$500.00} for the appraisal that was performed by the XXXX XXXX XXXX which we never seen what company performed the appraisal and how much were there paid? But just {$500.00} bill from XXXX XXXX XXXX 24 hours before the closing date that was set by XXXX XXXX, they XXXX canceled the closing and denied us the loan and we lost the purchase of the house 24 hrs before closing, lost the {$500.00} apraisal, {$550.00} Inspection and they left us struggling thru the seller lawyer who refused to return our $ XXXX. 
This XXXX XXXX Mortgage company process over 3 months and many papers an endless demands until they finally gave us the final approval and they sat the closing date then denied the loan Very unethical Very unprofessional They play all kind of games to get you in then the deny your loan after you get deep in process and expenses
Product: Credit card or prepaid card

At the end of XXXX XXXX I called customer service about the annual fee shown on my credit card statement. The agent said they were unable to waive the annual fee at the time but wanted me to reconsider keeping the card. The representative said that if I paid the fee but decided I wanted to close the card within 90 days, I could have my annual fee refunded and close the credit card at that time. I called again in XXXX to close the credit card since I could not use the benefits any longer. However when I was talking to the agent, they said that they would not refund the annual fee. I told them that I was instructed by the previous customer service agent that I would have 90 days to close the account and get my fee refunded. The representative was adamant that I was wrong and said there was nothing that could be done. I ended up closing my account and Chase was able to trick me into paying an annual fee for a card I do not want to keep.