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

I was sold a faulty vehicle by XXXX XXXX XXXX on XX/XX/23 and paid a {$4000.00} down payment. My husband and I applied for the vehicle and it ended up in only his name and our business. The first time Westlake financial ever called the registered number on this account, the agent was confused and apologized because as he said " our accounts are not allowed to be business numbers '' they also would not discuss any details with me without my husband. I advised the lending institution Westlake financial of the details the first week of XXXX after I already had the broken down vehicle at the mechanics and a diagnosis and quote in hand. 
After sending in my complaint with all of the documentation the lender requested ( including mechanics vehicle diagnosis and estimate ) and repeated requests to at least have my complaint acknowledged and the account reviewed. They failed to do so. Never called, emailed, or even acknowledged. If i call they give me a run around for hours and do not give me any relevant information on my account, or any resolution whatsoever. 
Despite getting a loan I have not been able to drive my financed vehicle for even one full day in the past 3 months. The vehicle died while being driven on the freeway and less than 50 miles after being taken off the lot. 
Westlake financial has now impounded my dead vehicle and notified me that I broke the contract and have encumbrances and a lien on the vehicle which gives them the right to sell it within 10 days. The loan account has been paid and up to date for this entire time, not one late payment. I have also maintained 1 million dollar insurance coverage on the vehicle this entire time even while the lending institution has possession.

What do i do as a consumer when I have been taken advantage of from day 1?

The dealership is already currently facing a lawsuit and 2 bond resolutions.

This lending institution for being non-responsive and dismissive to their customers deserve the same. They have all of the necessary documentation they wanted and needed from the beginning and have failed to do anything with it or hold their client XXXX XXXX responsible for fraudulent behavior.
Product: Credit reporting or other personal consumer reports

I am filing a complaint on XXXX, XXXX XXXX Experian because in accordance with the Fair Credit Reporting Act, it is imperative that every detail on my credit report is completely accurate. However, I have observed numerous inquiries that were conducted without permissible purposes, constituting a violation of FTC law 604 [ 15 U.S.C. 1681b ]. 
The inaccurate inquiries are : XXXX. XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to report about how Chase credit card over charged me to make unethical profit by not sending payment alert email and using the balance as the late fee charge. Chase credit card makes the late fee charge very tricky. and take advantage of consumers who have busy schedule and have no ability to understand their complicated statement and policy and never send an alert email regarding payment due. As I logged in my chase credit card because of other issues one day after the due day, I found the big late fee charge and contacted them and informed I would paid full balance today and asked them to reverse the late fee charge. They made the statement complicated and not friendly easy, therefore I spent a lot of time understanding it. Thought I still dont understand it, I have no choice but pay the full balance +big late fee charge. But I believe it is unfair to treat consumers in a tricky way since their policy and statements are complicated and never send alert email to consumer to remind them regarding due day and never explain late fee policy.
Product: Debt collection

MCA Collection Agency XXXX XXXX XXXX XXXX XXXX MO XXXX, PLACED A DEROGATORY COMMENT ON MY CREDIT BUREAU FILE AND REFUSES TO TAKE IT OFF; I NEVER DID ANY BUSINESS WITH THIS COMPANY AND THEY REFUSES TO TAKE IT OFF OF MY CREDIT FILE; I HAVE SENT LETTERS AND THEY STILL WILL NOT TAKE THEIR COMPANY OFF OF MY CREDIT REPORT; I HAVE NEVER HEARD OF THIS COMPANY AND I SENT A LETTER DEMANDING THEY TAKE THEIR NAME OFF ON A LEGAL DOCUMENT; IT WAS NEVER DONE AND I AM ASKING FOR ASSISTANCE SO THEY CAN DELETE THEIR NAME OFF OF MY CREDIT FILE. THEIR NUMBER IS  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 3 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX XXXXXXXX. Account Number : XXXX ; Account Name : XXXX Account Number : XXXX ; and Account Name : U S DEPT OF ED, Account Number : XXXX ; U S DEPT OF ED, Account Number : XXXX ; U S DEPT OF ED, Account Number : XXXX ; XXXX, Account Number : XXXX ; XXXX, Account Number : XXXX ; XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX, a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXXXXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at NXXXX XXXX XXXX on XX/XX/XXXX under the account number 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 # ( private case number ) 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 AMERICAN EXPRESS XXXX : Federal Trade Commission & Attorney General of Georgia -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Congress ensured that under 15 USC 1681a ( 2 ) ( A ) ( i ), consumer reporting agencies are not to include reports containing information solely as to transactions or experiences between the federally protected consumer and the person making the report. American Express has violated my right to privacy under 15 USC 1681a ( 2 ) ( a ) ( i ). I am also requesting the permissible purpose written authorization that I gave American Express permission to furnish my information to each of the following account : - AMEX XXXX American Express has harmed my family under16 CFR 313, and 15 USC 6802 and has not initially or annually given me an opportunity to opt-out of the reporting my non public personal information. 
Remove these account from my consumer report immediately under federal laws you are violating my privacy and harming myself and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to ask you to reconsider my application for your XXXX credit card. I recently applied and I was rather surprised to receive a delay regarding my application. I believe I received a delay in processing due to Equifax still not removing a consumer alert, fraud alert, and other alerts on my credit report although I have asked them to numerous times.
Product: Mortgage

I have made complaints regarding the service company that this company has hired and have not been able to get any action from the servicing company so I am asking that this company fix there client. I have pages of documents of how they do not service my home loan correctly and then make my credit report bad. I have sent this information to the credit bureaus. This servicing coming is rate bad on the XXXX and why XXXXXXXX XXXX uses them is questionable.
Product: Credit card

In early XXXX my family had a health crisis so my credit utilization spiked. Twice in XXXX XXXX raised my credit limit and my home depot credit card raised it once because of the falling utilization ratios. In XXXX XXXX, XXXX I made a {$2000.00} payment to my Citi Simplicity card. Then a few weeks later I did a cash advance and on XXXX XXXX i made a {$500.00} payment. The card was below 50 % Utilization. Then on XXXX XXXX they sent me a notice that my debt levels are too high and for this they are cutting my limit in half to {$1700.00} which put my utilization at close to 100 %. By XXXX XXXX I had payed {$12000.00} dollars worth of debt back to my XXXX credit cards and a personal loan that was taken out. My credit score then was above XXXX. Now because of the cut in the card it is now in the high XXXX 's. As a result my auto insurance which is based off of credit went up {$100.00} despite having a perfect driving record. This also disqualifies me from purchasing a home as the minimum is XXXX credit score. The attached documentation shows that XXXX XXXX raised my limit and the other documents show why and when Citi lowered my limit. I do not understand why XXXX credit card will raise my limit twice in one year but XXXX will cut it after I pay it down to 50 %. They have to know that this hurts your credit rating. Thank you.
Product: Mortgage

I closed on my home on XX/XX/2019 not long after closing I begin to receive phone calls text messages, and a email from the loan manager at U.S. Bank where I received my home loan. First I was told that they didn't know that the property was located in XX/XX/XXXX county, than I was told that the program IDA stopped offering assistance to XX/XX/XXXXcounty in XX/XX/XXXX of this year, but they will honor the {$7500.00} dollar down payment assistance that I received if I sign a new contract agree to all terms and conditions, but everyone has to agree. Then I received a message from the loan manager at U.S. Bank stating that if I don't call her they will be calling my loan which means they will require me to pay off the mortgage in full, because they don't have any legal documentation necessary to keep the loan intact. I asked the loan manager several times for the new contract, but was unsuccessful.
Product: Checking or savings account

We have repeatedly contacted Bank of America and have received zero help. They will not provide a fax number for us to fax in our statement to prove they have unfairly billed us, and refuse to give anything but a mailing address which does not allow us to prove they received something. In addition, they realize the delay is causing my family financial harm and do not care. I have attached the statement where you can see they charged us two {$35.00} overdraft fees when the balance was over XXXX XXXX dollars, then two more on the following Monday where they cleared items in an order to maximize fees to them. They have already settled a suit years ago for this very thing. The remaining is a paste outlining my husbands details of this item. 

Bank of America has refused to resolve overdraft fee issue that is their fault. Reference the attached statement for my account. and you will see they have stolen from me, and also have repeatedly over the course of four days and five reps as well as two supervisors been dishonest. On XXXX/XXXX/XXXX my balance was {$4800.00} On that day I was charged 2 overdraft fees. One was reversed. I should n't have  even been charged an overdraft given my balance was well over the amount required to cover any transactions that day. On XXXX there was a charge for 1 {$0.00}, {$9.00}, {$5000.00} and {$90.00} They overdrafted my account again for the {$90.00} charge, and again for the {$5000.00} dollar charge. If they had put all the other charges through, I would have had only one overdraft fee, which would have been waived. Instead they charged me two overdraft fees on XXXX and two on XXXX/XXXX/XXXX. As a result I will not be able to pay other bills, which will result in approximately {$250.00} dollars in additional late fees for my mortgage and other bills. I have a copy of the printout showing that I am correct, and there should have maybe been one overdraft. The reps have repeatedly been dishonest with me when I can see the statement in front of me. Call me at the phone number I provide in this complaint with a fax number, I will send it to you and show you the statement. Further, their website repeatedly changes as to balances and fees, forcing me to make printouts to have proof, which I do have, and again, contact me, I 'll fax it to you. I also have screen print. These fees need to be reversed and I need to be compensated for my time and financial hardship. I would have made a deposit to cover, however due to the way they displayed my balances I was given zero opportunity. In effect, they did not display pending charges at any point, and instead changed balances at midnight without my knowledge. This is a shockingly overt dishonest way to do business.
Product: Credit card or prepaid card

XXXX Took my my money for a reservation and would not give the funds back even though I was not able to stay
Product: Mortgage

Our fixed-rate mortgage was transferred to SLS and we have had many problems since then. Specifically : 1 ) everything they send seems intentionally confusing. We have worked with many other mortgage companies over the years and SLS is the only one who sends things that we ca n't figure out. 
2 ) we have full insurance yet they tried telling us that our insurance was " insufficient '' and that they were going to purchase their own supplemental insurance ( even though they had just paid our insurance from the escrow account ). They continued to send us this claim two more times after we sent proof that our insurance was in fact sufficient. 
3 ) Now they are claiming that we have an escrow " shortage amount '' of a - {$1000.00}. What is a negative shortage? Is this double negative actually a surplus amount in our shortage? 
4 ) They are adding a monthly " shortage payment '' amount of {$85.00} to our monthly payment for the next 12 months. 

This is the shadiest mortgage servicing firm we have ever worked with. We wish there were a way to switch mortgage servicing firms without refinancing because we have a great fixed mortgage rate. I would also like to see firms like SLS closely monitored by the CFPB because I 'm sure that there are many mortgage holders who are not paying as close attention and are getting XXXX. 
Any assistance from the CFPB is greatly appreciated! 
XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Student loan

My husband and I have consolidated our student loans thru a company called XXXX XXXX. They use a third party collector that charges us a fee of {$34.00} each on a monthly basis. We have been paying this amount from XX/XX/2016. We have been receiving bills from XXXX XXXX for a higher amount. We have tried contacting XXXX XXXX which there number is disconnected. When I tried contacting them before their number was disconnected no one returned any of our calls. I recently have stopped the automatic payments from my bank account. I spoke with a counselor at XXXX XXXX XXXX   and they stated that this company has been scamming millions of people. They advised me to cancel all payments to them and report them. Now my husband and I have received a threatening letter from a group called XXXX XXXX stating that my account is passed due.
Product: Credit card

My Discover XXXX XXXXXXXX card was closed due a " business decision. '' I called Discover card and was transferred to five different people. None could provide any information. Several confirmed that I would not receive a year end match of reward miles. Their website shows I am owed XXXX XXXX, which is worth {$2000.00}. So they made a business decision to steal {$2000.00} from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing that I owe {$1000.00} to a firm named named XXXX XXXX, XXXX ( bad debt buyer ). 
This case was taken to Mag. Court # XXXX before the Honorable XXXX XXXX XXXX, XXXX in court at XXXX XXXX, PA. on XX/XX/XXXX. 
I have notice of settlement/ withdrawal order signed by the judge. 
So far, I have disputed this item, which I have many times in the past to no avail. 

This should not be on my credit report if the case was withdrawn and I have never done business with this firm at all. 

Docket # XXXX Case was filedXX/XX/XXXX and withdrawn XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX 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
Product: Credit card or prepaid card

On XX/XX/22 I received a bill of exchange from Capital one Bank indicating that I allegedly owe a bill in the amount of {$4600.00}. I returned to negotiable instruments back to Capital One Bank endorsed for them to submit it to the bank for payment. If the bank did not accept the negotiable instrument, they in return would send a notice of dishonor, saying why it was dishonored and give me the opportunity to cure. Capital One Bank never attempted to process the instrument, instead without any notice, Capital one proceeded to then closed the account. I have send them several negotiable instruments and requested them to be returned to me if they are not accepted, they never returned any of the instruments. I then send them a billing error dispute in regard to looking into the matter by requesting documents but they failed to send the required documents. 15 USC 1666 ( d ). They then informed me that they will report to the credit agency that the account is in dispute. That never happen, they have been reporting that the account is closed and that payments are late. According to 12 CFR 1026.13 ( d ) Capital One Bank is in violation. According to UCC 3-603, Capital One Bank is in violation and also 15 USC 1666d XXXX I tried reaching out to Capital One with a billing dispute error at which time they responded by taking adverse action and using deceptiveness to handle the situation.