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

I purchased a XXXX XXXX XXXX used car financed by Wells Fargo Dealer Services. The price of the Honda was $XXXX,XXXX. I put down $XXXX,XXXX cash and was left with a balance of $XXXX. I tried to make arrangements to pay off the balance within 60 days but instead I was forced into a loan agreement. Monthly payment for $XXXX with a interest rate for XXXX.XXXX. I was extremely afraid and I put total trust in the dealer. I was automatically enrolled in XXXX coverage for a financial obligation over a year. I had a accident while I was covered and I was denied insurance benefits although I had been paying for insurance coverage monthly with a$XXXX   increase in my payment every month. The damages totaled $XXXX to repair the damages and I paid the total claim from out my pocket. Depleting my funds to pay off my used vehicle. I was forced to go bankrupt with such inflated prices and fees I lost my car and I had to pay off the balance of $XXXX XXXX XXXX. I have been a victim of unfair lending practices and experienced discrimination EOCA. My terms were much more expensive than a XXXX friend I referred in the same situation I am. Where she only put down $XXXX loan payment of $XXXX  with an interest rate of XXXX.XXXX. Due to discrimination and unfair lending practices, I lost everything that I worked for my entire life. I have not had a vehicle ever since Wells Fargo robbed me of all I had. I am in the process of informing UNITED STATES TREASURER and file civil rights lawsuit against Wells Fargo Dealer Services.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX XXXX  ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$5700.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$2600.00}, XXXX XXXX  XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$2200.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$610.00}, XXXX XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$280.00} XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account XXXX XXXX date XXXX XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( XXXX ) 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: Checking or savings account

I am an XXXX  holding a " Money Market Account '' at Truist Bank and believe the bank is violating the following U.S. laws in its advertisement and management of its money market accounts, that I am able to document in detail with references to specific provisions of these laws : Public Law 97-320, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Depository Institutions Act of 1982, Section 327, amending the Depository Institutions Deregulation Act of XXXX and added to 12 U.S.C. 3503, as the enabling legislation by which banks like Truist are able to offer money market deposit accounts ; the Truth in Savings Act ( TISA ), 12 U.S.C. 4301 to 4310, enacted on XX/XX/XXXX as part of the Federal Deposit Insurance Corporation Improvement Act of XXXX and its damages provisions ; U.S. Code Title 12, Regulation DD ( 12 C.F.R. 1030 ) on Account Disclosures and Advertsing and the legal case, XXXX v. XXXX on the implementation of the statute and 18 U.S.C. 1341, Frauds and Swindles. 

In absence of bank compliance, I ask the CFPB to pursue an investigation and invite other account holders to join in a class action suit. I continue to hope that these steps will not be necessary but have yet to see any indication that Truist recognizes the law or will work towards resolution.
Product: Student loan

I was attending school at   XXXX   XXXX   XXXX  , when they abruptly closed in    XXXX   XXXX     . I have tried contacting the lender and third party lender about the situation. I never completed my program of study, nor received any credits from the year I was attending school. All they can tell me is that since it 's a private loan, there 's nothing they can do. While attending, I made payments towards the loans. I have  XXXX  loans opened in my name when I should have only had  XXXX . So now I 'm stuck with about {$15000.00} debt for something I will never see. It is very discouraging and I have n't had a chance to even start school anywhere else yet because I 'm still dealing with this problem. I 'm almost   XXXX   XXXX   XXXX   and I can not have this. It 's hard enough knowing that I might have to be a   XXXX   for the rest of my life. I really wish someone could help me instead of transferring me to someone who might be able to help or giving me another number to call that does n't even pan out. I 'm at the end of my rope. Please help!!
Product: Debt collection

I am a victim of identity theft and have enclosed a copy of my police report Affidavit, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard credit inquiries on my transunion report that I absolutely did not give any company or anyone to get access. This is Fraudulent at least. 

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
Product: Debt collection

I sent a letter to have XXXX XXXX XXXX to have them Verify my debt In with my signature of where i signed, payment history, etc. All they sent me was a letter to settle the debt. 
windstream is the original debitor. i want this removed from my credit reports. I did not incur these charges or ever reside at the residence where XXXX was purchased. 

Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1000.00} High Balance {$1000.00}
Product: Debt collection

Already called directly multiple times I have XXXX XXXX they are not a preferred provider for XXXX XXXX XXXX where I live and they contract with them for the X-ray at the er I am not sure multiple calls to XXXX XXXX XXXXt XXXX with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair credit reporting act. The list of account below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681. 
The Fair Credit Reporting Act of 1970 ( My Account number are XXXX out ) Attorney General-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Dept Of Ed 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 shell not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

XX/XX/XXXX at XXXX, I received an email from XXXX  XXXX XXXX ( I have a credit and debit card with XXXX  XXXX XXXX ) saying that my card was being used to make 20 individual purchases on this website XXXX, with charges equating to {$8500.00}. I called the bank immediately and was told someone hacked into my paypal and my XXXX   account. I was unable to access my my XXXX  account since the hacker changed all of my information. The bank closed my account, but XXXX of the purchases did process on my credit card for {$580.00}. I checked my account today, XX/XX/XXXX, and I noticed over {$3000.00} of my savings had to be transferred to my checking account which means the orders the hacker made could have been processed. I called XXXX  XXXX   XXXX again, and I was told they froze my account. I am going to XXXX  XXXX XXXX to open a new account, but I have to wait until next week to get an update on my claim. I filed a claim to PayPal and it is under review. I also emailed XXXX customer service and they were able give me access to my account and to change my password. However, once I logged in, I realized XX/XX/XXXX of the items the hacker tried to purchase are processing.
Product: Student loan

I have federal medical student loans that were originally through XXXX. I had submitted a consolidation and effectively, a migration of servicer from XXXX to Mohela ( did not have the option ) in order to qualify for an income-driven repayment program ( called " XXXX '' ) and still maintain qualification for XXXX XXXX XXXX. 

My request to consolidate and application for an XXXX  were submitted on XX/XX/XXXX. Per my studentaid.gov portal, my XXXX request was completed ( their date string on the website is unreadable so it's hard to tell the date of completion ) which would reduce my payment from what they are asserting I owe right now, {$1400.00} to approximately {$340.00}. 

Mohela 's website does not offer any contact information to establish a written line of communication for posterity. Thus, I called their service number and was informed my loan would enter a deferment until processing was completed. That has not happened, and I was just messaged by Mohela that my loan is now behind, and that I owe a past due balance of {$1400.00} and that my next scheduled bill is on XX/XX/XXXX. 

From some light research and communication with other medical professionals, Mohela has been responsible for similar experiences. My XXXX  application can be available upon request, though I've uploaded it to Mohela 's website as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
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  If you feel there is a possibility these ITEMS belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

I have had an account with PayPay for over 10 years and until recently there have been no issues. On Friday XX/XX/XXXX a payment in the amount of {$190.00} was sent to me via XXXX. Unfortunately, the funds were put on hold by Paypal for a period of 21 days based on random audit of the transaction. Both myself the sender have made several attempts to meet PayPals expectations with no success and being told that funds will not be release until XX/XX/XXXX. 

I have also provided emails communications from the seller identifying they have send the funds and don't understand why the payment is on hold ( see attachment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX. Capital One Finance XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking for errors on my credit report I found an account and a few inquries I didn't authorize via XXXX, XXXX, and Equifax. 
XXXX  included inquiries I didn't recognize such as : XXXX   XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX on XXXX, and XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX/XXXX  XXXX
Product: Debt collection

After sending this collection agency letter after letter they are still trying to collect money on an account that the charity has been written off on. I have no clue why they are still sending me letters requesting money.
Product: Checking or savings account

Hi,

I would like to file complaint concerning theft or loss of my money at Bank of America. Unfortunately I am not getting any help on this from Bank of America as they do not reply to any of my inquiries.

I already sent two regular-mail paper letters to Bank of America, to their headquarters. They did not respond to any of them. Bank of America does not provide any official email address at which I could contact them. They only provide a phone number to their call center which is of no help. The only email address for Bank of America which I was able to find, by luck, after an exhausting search, was executive. XXXX . I already contacted Bank of America at this address, a number of times, but they (specifically   XXXX   XXXX   XXXX  ) do not reply to any of my inquiries. I AM NOT GETTING ANY HELP FROM BANK OF AMERICA on this, IT IS NOT POSSIBLE TO CONTACT THEM IN WRITING, THEY DO NOT REPLY TO MY PAPER LETTERS or EMAILS. I do not know how else to contact Bank of America, how to get them help me to get this resolved. You, CFPB, are my only help.

The problem:

Bank of America closed my account and escheated my property to State of Wisconsin (that is the information that I was able to get from Bank of America with your previous help, see case ID  XXXX ). State of Wisconsin's online Unclaimed Property Database (see   XXXX   ) does not provide any property under my name. So, I contacted State of Wisconsin Unclaimed Property Division, provided them all the necessary information and requested a MANUAL SEARCH in their Unclaimed Property Database. State of Wisconsin's response is that they cannot find anything under my name, see below:

 --------------------------------------------
 On Tue,  XX/XX/XXXX , DOR Unclaimed Property  wrote:
 Subject: RE: Unclaimed property manual search request
 To:   XXXX   XXXX  
 Date: Tuesday,  XX/XX/XXXX ,   XXXX   XXXX  
 
 Dear   XXXX   XXXX  ,
 
 Thank you for contacting the
 Wisconsin Department of Revenue Unclaimed Property Unit.
 
 Our records for  XX/XX/XXXX  are all
 digital, who reported funds to us in  XX/XX/XXXX  were allow to send
 us paper copies. There are no paper records for  XX/XX/XXXX . I have
 looked under your name and I cannot find anything under your
 name. You will need to contact Bank of America, we cannot help you
 claim your unclaimed property if we cannot find it. Its
 possible Bank of America misspelled your name or make a data
 entry error when the property was sent to us. You will need
 to go back to Bank of America and talk to them. They have
 more information about the property then us.

BANK OF AMERICA SAYS THAT THEY SENT MY MONEY TO THE STATE OF WISCONSIN UNCLAIMED PROPERTY, AND THE STATE OF WISCONSIN SAYS THAT THEY HAVE NOT RECEIVED ANY MONEY IN MY NAME FROM BANK OF AMERICA. MY MONEY IS LOST!

How this can happen in the United States of America, at a bank supervised by the Federal Reserve System??

Now I need Bank of America or the Federal Reserve System or anyone to locate where my money from my closed account is.

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I paid a collection as a full and final settlement with the intent and understanding that it was going to be deleted with payment. The payment was made in XX/XX/2021. But the collection is still showing in my credit report as closed with balance XXXX. 

I called the CCS collection agency and spoke to them. They say they can not remove the entry from my credit report. When they called me for collection in XX/XX/2021, they did not clearly tell me that even after this payment, the collection will not be removed from credit report. Neither was i given any initial notifications of the collection prior to it hitting my profile with the bureaus. 

I want to get this collection removed from my reports. Please help me. 

Regards XXXX
Product: Vehicle loan or lease

I filed a complaint with CFPB on against Santander Consumer due to harassing phone calls, a illegal late payment practice, an inaccurate RTC letter and a fee schedule designed to never allow for payment to reduce principle. These predatory lending techniques have resulted in countless class action suits against Santander Consumer yet they continue to take advantage of the consumer with sub prime credit. My complaint was replied to by Santander on XX/XX/2020 my car became repossessed on XX/XX/2020. CFPB case number : XXXX-XXXX. In its response, Santander did not supply accurate and truthful answers to myself or the CFPB. Based on the companies violations of 32-1085, 44-286 and 32-1051 the company should be made to forfeit their claim to " any finance, delinquency or collection charge on the contract. '' 44-295. I am asking the CFPB tp assist me in taking action to first recover my car which was taken as retaliation for filing the complaint with CFPB. Upon recovery of the vehicle I would like to ask for assistance in bringing the loan into compliance with FDIC best practice and enforce any " sub-prime '' lending consequences against Santander Consumer.  My vehicle was taken during the night on XX/XX/2020 and now I am unable to get to work as there is no public transportation by my residence.
Product: Checking or savings account

I had used a credit card from Citizens Bank in XXXX XXXX NY on XX/XX/2022 for a gravestone for my husband who passed away XX/XX/2022 to XXXX XXXX for an initial payment of $ XXXXUpon checking the balance of my checking account for more than a week, I found out that {$1000.00} were twice deducted on XXXX called the customer service of Citizens Credit Cards on XX/XX/2022 and spoke with XXXX via phone and told me that the {$1000.00} will be refunded/returned to my checking account within 4 days and I told her as well that I have some autopay due within that time. After 4 days the {$1000.00} was not yet returned to my checking account and my outstanding balance was {$3.00}. I tried to call the customer service of the bank and even went personally to the bank but the answer was to try to call the Credit Card Customer Service. On XX/XX/2022 an agent of Citizens Debit card named XXXX and XXXX yesterday from their chat web were both contacted with no avail to my problem
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Account name XXXX XXXX XXXX Account number XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Account status Closed but reopened like new XXXXAddress XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Account status Closed but reopened like new
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Payday loan, title loan, or personal loan

I reached out to the Lendmark Financial office in XXXX NC on XX/XX/XXXX requesting a full payment history for my loan. My original loan number was XXXX which was then transferred to XXXX and after Lendmark opened a new branch my loan # became XXXX. I requested a full payment history along with all loan origination documents. The branch told me they were not able to provide me with any of my payment history prior to XXXX of XXXX. The online system only allows customers to go back 2 years. Since XXXX of XXXX i have paid a total of XXXX to Lendmark and I am trying to verify that these amounts are correct. I believe that Lendmark has been taking advantage of me and other customers by overcharging in interest and also not appropriately providing payment information and loan documents to consumers. I want my loan either marked as paid in full and the rest of the balance dismissed or I want Lendmark to present all the current documentation I have requested.