23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

hello my name is XXXX i bought a car from a buy here pay here dealership. they sold me a used car with many mechanical problems. without me even knowing they sold my account to another financial loan company. This company has made my life XXXX literally from the moment i started receiving bills in the mail i was in shock i didnt know who they were. so when my vehicle started giving me major problems after making {$280.00} payment i called the company and told her i didnt want the car no more that i wanted to surrender it even though i knew it was going to hurt my credit. the lady said i couldnt that i knew it was used and that i was still responsible for the account basically she didnt care about my opinion or my feelings as a customer, or about my situation. i paid a mechanic to fix it and within a few weeks again it breaks down on me. this was really bothering me i couldnt pay insurance, pay car payments and pay repairs on top of all my extra bills. i called the lady again and explained to her again i wanted to surrender my vehicle. i couldnt afford paying all this money for something that was going to keep breaking down on me. she said no. she said if i would do that that the towing truck costs was going to be added to my account. and that the vehicle was probably going to be auctioned for {$500.00}. so basically this {$3200.00} car was being given away for free. i had tears after i hanged up with her. how can they make you keep making payments when you are telling them you do not want it anymore. i stopped making payments. i took insurance, and plates off. the vehicle was parked for over a month without being used. they kept calling and calling me threatening me with wage garnishments, taking me to court if i wouldnt make a payment. i told them please wait, please be patient with me, and to please just come and get the car. the lady insisted i sell the car. and then they would deside if they would give buyer the title. this has made me so stressed out. i feel scared of answering the phone. im scared to go to court. i cant believe theres companies out there who give XXXX cents for their customers. its hard making payments on time especially when im a mom of XXXX children. i want to sue these people. file a complaint XXXX for threatening me and doing things that they said they were going to do and didnt do. i feel this shouldnt happen to anyone ever. please help. please help!!!!!!! yesterday XXXX my car was towed away for not having insurance or plates. on top of this i have received many many calls from the company today they dont care about anything or anybody. they even hanged up on me. i dont want to keep dealing with these rude ignorant women. they should be the ones paying the towing truck company for not listening to me. for not putting their customers needs XXXX before theirs. us as customers are the reason why they have a job and a paycheck. please help ... i want to get this to the highest level there is. i want a judge to listen to me.
Product: Debt collection

XXXX turnedmy account over to XXXX. I settled my account with XXXX  for XXXX on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern, I am formally disputing the inaccurate and outdated personal information listed on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ), you are required to ensure all information on my report is 100 % accurate and verifiable. The following incorrect information must be permanently removed within 15 days : XXXX. Removal of All Inaccurate & Outdated Addresses - My ONLY correct and verifiable address is : XXXX XXXX XXXX, XXXX, FL XXXX- All other addresses on file are outdated, incorrect, and undeliverable and must be deleted immediately per 15 U.S.C. 1681c ( a ) ( 5 ), which prohibits reporting obsolete personal information. 
- Failing to remove inaccurate addresses creates security risks, increases the risk of identity theft, and violates my rights under the FCRA. 

XXXX. Removal of Incorrect Names XXXX XXXX correct name is : XXXX XXXX XXXX XXXX Any misspellings, aliases, or incorrect variations of my name must be deleted under 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy.

3. Removal of Incorrect Employer Information XXXX XXXX XXXX current employer is XXXX XXXX XXXX XXXX XXXX XXXX Any previous, inaccurate, or unverified employer listings must be removed immediately per 15 U.S.C. 1681b ( a ) ( 3 ), as they serve no legal purpose on my credit file and should not be included. 

XXXX. Removal of Inaccurate Phone Numbers - My ONLY phone number is : ( XXXX ) XXXX - Any additional or outdated phone numbers must be deleted as they are incorrect and unverifiable. 

DEMAND FOR IMMEDIATE ACTION Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( FCRA ), I demand the following within 15 days : XXXX. The immediate deletion of all inaccurate addresses, names, phone numbers, and employment records from my credit report. 
XXXX.Written confirmation of these deletions within 15 days. 
XXXX. A cease-and-desist order preventing any further reporting of incorrect personal information. 

Failure to comply will result in formal complaints filed with the CFPB, FTC, and legal action under 15 U.S.C. 1681n ( FCRA ), allowing me to seek statutory damages, punitive damages, and attorney fees.

If Experian, Equifax, or TransUnion fail to correct these violations within 15 days, it will be considered willful noncompliance with federal law. 

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

I had credit card from Bank of America which i have paid fully already long time ago but this account is not being deleted from my credit reports, i kindly ask BoFA memebrs to remove this account from all credit reporting agencies. 

Account number is XXXX
Product: Checking or savings account

I applied for a personal loan in XX/XX/year>. XXXX sent me an approval letter. They asked my banking information which I provided, mind you now I never applied for a loan before nor had access to any of my money or bank account. That was controlled by my ex who was an abuser. I did exactly what they told me got to the XXXX XXXX or XXXX that was near the bank, buy money cards rub off the numbers and tell them the numbers. They gave me like 45 minutes to do this. They said that this was an act of trust. I complied, after all the money was in my account. I had no idea I was being scammed until the bank took my XXXX check for the fraudulent check. I had no idea what they were talking about and they basically laughed in my face and treated me like a criminal. I told them it was my ss check I needed to pay rent. Acouple months later I received a copy of the check. It was on a target check and my signature was forged. They returned the check why didn't they go after them. {$980.00} PLUS {$20.00} RETURN CHECK. It is illegal for anybody to touch anybody Social Security check unless it's authorized by a judge I just found this out a couple months ago I want my money that was unlawfully taken from me the only thing I'm guilty of is being naive and XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX CONTINUES TO SHOW THIS ACCOUNT AS " PAYS AS AGREED '' WHEN IT WAS CLOSED XXXX XXXX. IT ALSO CONTINUES TO SHOW THE INCORRECT PAY OFF DATE OF XX/XX/XXXX WHEN THE ACCOUNT WAS PAID OFF & CLOSED BY ME IN XXXX XXXX. ENOUGH OF THIS GAME PLAYING. THE FCRA LAW IS CLEAR IN WHAT NEEDS TO HAPPEN NEXT TO RESOLVE THIS SAME DISPUTE I'VE FILED NUMEROUS TIMES OVER THE PAST YEAR. EACH TIME I DO THE IDIOTS AT EQUIFAX SWEAR THEY FIXED IT, CLAIM THEY VERIFIED IT WITH THE CREDITOR WHICH IS A LIE, THEN SEND ME THEIR REPORT THAT NO CREDITOR 'S SEE WITH THE CORRECT INFO ON IT, OR SEND ME A LETTER DEMANDING ID & THAT I VERIFY MYSELF WHEN I'VE ALREADY DONE SO ON THE CFPB SITE PER THE REQUIREMENTS, THEN WHEN I RUN MY MONTHLY REPORT IT CONTINUES TO SHOW THE WRONG DATES & REFLECT THE ACCOUNT AS OPEN WHEN IT'S NOT! THAT IN TURN HAS LOWERED MY SCORE TO XXXX WITH THIS BUREAU WHO SHOWS ALL OF MY CLOSED, PAID OFF ACCOUNTS AS " PAYS AS AGREED '' & THE WRONG MONTH & YEAR THEY WERE PAID OFF. THIS IS A CONTINUOUS PROBLEM WITH THIS INCOMPETENT BUREAU. THE WORST OF THE 3 FOR SURE!
Product: Mortgage

FAYE SERVICING IS REFUSING TO COMMUNICATE TO THE BORROWER REGARDING FAYE SERVICING SHORT PAYOFF COUNTEROFFER OF XXXX XXXXXXXX AND ACCEPT THE FUNDS. FAYE SERVICING IS ALSO REFUSING TO COMMUNICATE TO THE BORROWER TO PROVIDE THE BORROWER WITH A REINSTATEMENT AMOUNT SO THAT THE BORROWER CAN REINSTATE THE LOAN TO STOP THE FORECLOSURE SALE PROCESS AND STOP THE TITLE FROM PASSING. BORROWER CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX, equifax, and XXXX to remove 27 inquiries that were put on my report, by law when you are looking to purchase a vehicle you have a 30 day window to shop without getting hit with a ton of inquiries, instead it shall only be one inquiry for that auto loan. I expressed that there were incorrect and missing information on my report and the agent simply refused to remove these inquiries or remove the incorrect, not updated accounts. The auto loan itself isnt even reporting to XXXX but does show up on my equifax report. 

I was a victim of identity theft in 2019 and I was part of a police investigation in XXXX  XXXX and the police did find the person but Ive been attempting to fix my credit since. 

There is also incorrect, not updated information on a bankruptcy on my report and its showing accounts and balances still owed that were included. I have mailed certified letters multiple times with no response. I have proof of the multiple contact attempts.
Product: Debt collection

On XX/XX/XXXX, I received an email from a representative of XXXX XXXX XXXX XXXX XXXX ) that they were unable to terminate my son 's ( XXXX XXXX  ) lease ( I was the guarantor ) despite being told otherwise by a representative of XXXX XXXXXXXX on XX/XX/XXXX. He never took possession of a unit or room. I responded on XX/XX/XXXX with my dispute and documentation by email, the response I received was inaccurate. I sent an extensive email on XX/XX/XXXX detailing my perspective on the course of events, disputing the claimed debt, but never received a reply. 

On XX/XX/XXXX, I received an emailed statement that included a " move out fee '' and contained the statement : " If you have any questions regarding your account, please email XXXX. '' I emailed that address as instructed above on XX/XX/XXXX disputing the debt, but the emailed reply I received was that my son ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX and I ( his guarantor ) had already been sent to collections. I was not allowed the opportunity to dispute the debt, or even to pay the bill I had received, since our account had already been sent to collections. 

Ultimately, I would like XXXX XXXX to change their misleading practices. They pressure XXXX XXXX to sign a lease right away by promising a sign on bonus that will expire if not taken advantage of ASAP. Then they have a guarantor sign a brief guarantor statement, taking financial responsibility. After this is when the student gets a copy of the XXXX page lease, which the guarantor never receives. The lease is unacceptable ( it states that another person, regardless of their identity or criminal background and be placed in a bedroom with the leasee. ). Once the guarantor has an opportunity to review the XXXX page lease, and if the guarantor then determines that the terms are unacceptable, the guarantor is told that it is too late to terminate the lease since the leasee ( XXXX XXXX ) has signed it and the guarantor has previously signed a generic XXXX page guarantor agreement that contained none of the specifics of the lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT COLLECTION SERVIC~ {$130.00} ~Opened XX/XX/XXXX ( XXXX ) CREDIT CONTROL SERVICE ~XXXX~ opened XX/XX/XXXX ( XXXX ) I have submitted Disputes through the credit reporting agencies and have asked how the debts were verified and they can not give me an I have verified that both collection agencies are not licensed to collect in Florida
Product: Credit card or prepaid card

On XX/XX/2020 I was asked by Capital One Offshore customer service department to email a copy of my drivers license to prove who I am. I have not been able to use my card but once, at XXXX XXXX. When I used my card at XXXX XXXX it declined for {$1700.00}. I have an available credit of {$7000.00} so, {$1700.00} should have not declined. ( note : I have not used this card in a year so, I get it that verification is needed ). I called Capital One while at XXXX XXXX to verify that Im making the charge. They tried to text me on my phone and it didnt go through. Then she told me I had to go home for her to call me on my home phone ( please note I was at XXXX XXXX at the register and my card got declined and she needed be to drive home so she could call me to verify it was truly me ). I came home and they place me on hold for several minutes. They she ( offshore customer service rep ) called my home phone and released the hold. I tried to use my card again to buy food and the card declined. I called capital one and this time they said I had to scan in a copy of my drivers license both front and back and someone will call me in 7-10 business days to release the hold once they reviewed my drivers license. On XX/XX/2020, I received a call from Capital One Document Verification team. The lady name was named XXXX, XXXX ID number # XXXX. She told me that she received my DL however my picture was croped. I told her I did not croped my ID but she insisted I did. She said please scan it in again. This time I copied it and created a PDF form since she said I croped it. 
XXXX said it will be 7-10 days before she reviews it. I called back to Capital One and the rep asked me was this my DL? I said yes. Im not getting any where with this company. Can you please help me?
Product: Checking or savings account

On XX/XX/XXXX I opened a HSBC Advance Account with a {$10000.00} deposit at the HSBC Milpitas, CA branch. The terms and conditions were discussed and most specially the Referral promotion. I then secured a referral code online per bank instructions. 

On XX/XX/XXXX, I referred my husband and he opened an Advance Account with {$10000.00} and the referral code was presented and recorded by the bank employee. The terms and conditions were explained and we were given a written copy. The bank employee was aware that we have had HSBC accounts previously which we closed in XXXX. We were assured that we met the requirements as the condition was " The individual you refer must not currently hold nor have held in the past 365 days, any consumer account ( including but not limited to deposit accounts ... '' The promotion states a {$100.00} each for the 1st-2nd referral and the referred individual was to get a {$250.00} bonus ( Advance account ). Fulfillment of these bonuses is within 8 weeks from the date the new account is fully funded. See attachment. 

In XX/XX/XXXX, I started inquiring about the bonuses as it was past the 8 weeks. I called customer service several times and made personal visits to the bank. Customer service agrees that we qualify for the referral bonuses but the HSBC Milpitas branch manager after 4 weeks of waiting said that the Marketing Department has the final say on this matter and they say that we do not meet the now '3 years ' requirement for previously held accounts ( although it was printed 365 days in the advertising materials posted all over the bank from XXXX to XX/XX/XXXX ). I never dealt with the Marketing Department before or their name mentioned in our conversations when the bank processed our accounts and took our {$10000.00} each deposits. We were never informed that the Marketing Depatment has the ultimate decision over these accounts.

The Marketing Dept could not be reached directly and the bank employees will not provide a telephone number or contact info when we requested it numerous times. 
I believe that HSBC has deceptive, misleading and fraudulent banking practices to the detriment of the public consumer. I believe that there are others like us with similar experiences as evidenced by similar online complaints. 

I have tried to resolve this problem with them but we have reached a point where an independent federal agency like the CFPB  must get involved to make sure the rules are enforced and that banks and financial institutions operate in a fair and honest manner..
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2019 - Late 90 days remark. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Money transfer, virtual currency, or money service

I was the victim of grand larceny by false pretenses ( DA XXXX Country Criminal Complaint #  XXXX XXXX XXXX, Chief of Criminal Complaint Unit XXXX ). On XX/XX/XXXX I transferred {$9000.00} - all the money I have - from my Chase Bank account in XXXX XXXX, California to a Chase Bank account in XXXX County, New York. I realized it was a scam and called Chase Fraud Division at XXXX XXXX  EST XX/XX/XXXX, when the funds were in the beneficiaries account but had not been withdrawn. ( Chase Fraud Prevention Department XXXX XXXX x XXXX Case No XXXX. ) I have been in daily contact with XXXX and they have told me daily the recall is in process but they needed to contact the beneficiaries on the account to ask them to send back the funds to me. Legally this was the procedure they had to follow. 

Today, on XX/XX/XXXX, I called Chase Fraud Department and was told that the beneficiary had contacted XXXX on XX/XX/XXXX, after 10 days of Chase leaving messages and sending demand letters for them ( a female and a male are account holders ) to contact the bank. She apparently told them that she would think about authorizing the funds to be returned to me. Then the male holder of the account called back to say they would not authorize the return of funds. I am now assuming, even with all evidence of fraud, that Chase is releasing the funds to these people who are under criminal investigation. 

Chase claimed that they are no exceptions to this rule that the funds can only be returned with permission of the account beneficiary. However, there are exceptions when a wire transfer can be reversed, in the event of a fraud or erroneous wire transfer, and provided the money on the recipient side has not been disbursed. This money was not disbursed before Chase was made fully aware that this was fraud. I called Chase Fraud Investigation Dept on XX/XX/XXXX before the recipients has a chance to remove the money. They have known this is a case of fraud for 10 days. On the day XX/XX/XXXX that the beneficiaries made contact with the bank, so did XXXX County DAs Office contact Chase Fraud Division and inform them they were starting an investigation and subpoenaed the account holders bank statements for the past 6 months. 

Chase writes that In this case, both the banks would have to agree that the transaction was a fraudulent ( or in error ) and it will be reversed, minus any charges, etc. that may have occurred on the transaction network ( e.g. XXXX, etc. ).

Chase IS the only bank involved, had plenty of evidence this was fraud, and yet it has released the funds. They have supported and abetted a fraudulent action and chosen to do NOTHING to help, me a Chase customer and victim of a scam which has resulted in me losing every penny I have. I am a single mother with a daughter at college and this is financially devastating.
Product: Debt collection

My son was seen at the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX on XX/XX/XXXX and we paid -- via credit card in person -- that very same day for all services provided. We were then continuously sent notices of overdue/outstanding balance and we contacted the company various times over the phone to resolve this to no avail. We then continued to document our efforts via emails : on ThursdayXXXX XXXX XXXX XXXX XXXX XXXX, and again on Mon, XXXX XXXX XXXX at XXXX XXXX and again on Mon, XX/XX/XXXX at XXXX XXXX, and on Tue, XX/XX/XXXX at XXXX. Today, XX/XX/XXXX we were contacted by a debt collector to collect on this debt that was never outstanding. We have provided proof of payment MULTIPLE times and have several emails from the XXXX central business office confirming Thank you for contacting XXXX XXXX XXXX. We have received your proof of payment and have forwarded it to our payment posting team for review. We have complained of this harassment and are tired of having to continue to fight this companys fraudulent debt collection tactics.
Product: Credit reporting or other personal consumer reports

I have been for years trying to deal with this Identity theft on my own and have had to hire lawyers in order to sue credit bureaus as they are giving me an extremely hard time removing these fraudulent accounts from my credit file. Someone stole my identity and opened up over XXXX accounts in my name using my information. I have sued XXXX and XXXX and they have corrected the issues, but Transunion will not and I have decided to file suit against them as well. 

Creditors are telling them that the information is accurate and it is not. I am sure it shows accurate because they used my information but I did not authorize ant of this. 


This will be my last time trying to get TransUnion to fix this before I file suit. 
I will file suit against XXXX as well again XXXX refuses to remove the following accounts XXXX XXXX XXXX {$150.00} XXXX XXXX  I had several XXXX XXXX accounts and paid all OUTSTANDING this negative one reporting should not be there! XXXX XXXX XXXX is showing on my credit file with a XXXX balance and negative and this is a fraud account. XXXX XXXX XXXX is showing as a collection on my account from a fraudulent XXXX XXXX XXXX account that is not even showing on my XXXX credit report for XXXX $ XXXX XXXX  11 hard inquiries and i was told just because I financed a car a year ago that it was mine and that is it not true as i did not give XXXX XXXX  ( reporting 2 times ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PERMISSION to run my credit. 



Transunion is reporting all of these fraud accounts on my credit file and I will file suit XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$1500.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$6200.00} XXXX XXXX {$110.00} Not only are they reporting fraud accounts but also have these accounts listed multiple times on my credit file. 
Transunion is also reporting Tins of Inquiries that are not mine 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  I will use this as proof in court that I have tried disputing with both XXXX  and transunion Transunion also has my debt totally wrong because of all the fraud accounts