23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX was entered into consumer transaction with XXXX on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX took cash. The finance charge is suppose to include insurance, but XXXX made me purchase insurance separately. I XXXX XXXX was also a victim of identity theft because I entered into a consumer transaction with XXXX XXXX on XX/XX/2016. A consumer credit transaction in which I was tricked into thinking that I got a loan when in reality I only came for the credit, the promissory note was for them because XXXX XXXX got the loan 15 usc 1431. XXXX XXXX used my information to obtain an extension of credit, 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. my information was used by capital one illegally to obtain my approval status for an extension of credit. can you guys please stop violating my rights as a Consumer? I have kids that have I have to take care of. it is hard to maintain a normal lifestyle because I can barely work because I have to spend countless hours studying the laws of the FCRA so I can finally get this issue resolved. I sat here for hours personally typing this letter myself with blood, sweat and tears because many nights I cried myself to sleep over these issues. I am begging you to please help me. do the right thing, I am a single father trying to survive during these covid times.
Product: Vehicle loan or lease

I got a car from US Auto sales in XXXX NC in XXXX from my understanding they went out of business so Westlake Auto sales took over. When that happen my amount was completely started over after paying for the car about XXXX yrs. Also XX/XX/XXXX they repoed my car after making a payment arrangement. I payed it the next day plus the amount of towing services.
Product: Credit reporting or other personal consumer reports

TransUnion should make sure to put my correct personal information on my credit report. This information : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, NJ XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, and EMPLOYEE are incorrect and should be removed and updated. The inaccuracies reported on my credit report violate the maximum possible accuracy requirements under 15 USC 1681e ( b ), which includes making sure that only correct and authorized information is provided. Failure to remove this may constitute willful noncompliance under 15 USC 1681n, which allows for damages of up to {$1000.00} per violation.
Product: Checking or savings account

An unauthorized Chime account was opened in my name and the account information and a debit card was mailed to my home address. I received this on XX/XX/23. I contacted Chime via telephone on XX/XX/23 and was advised that an account was indeed opened and was now closed. When I asked to speak to the fraud department, I was advised the only method of contact was to send an email to XXXX which I did.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXI attempted to make a rent payment using my Google Wallet account. The transaction was cancelled. When I reached out to Google customer support, they informed me that the card issuing bank had cancelled the transaction. I called XXXX XXXX, the card issuer, and they stated that the transaction had posted to my account and they did not cancel the transaction. I then contacted Google support again and relayed the information the bank had given me. Google then stated that they flagged my account as risky and cancelled the payment. Further, they reviewed my account and unflagged it. At this point I asked if the transaction would go through and Google support stated no that it was cancelled. I then asked for a refund and was told that usually refunds are instant, though sometimes can take 10 business days. I asked if there was an issue returning the money and the support response was " In an ongoing effort to protect customers and Google from fraud during transactions, our Risk specialist team reviews all transactions coming through Google 's payments service ''. I then asked for the names and ID 's of the specialists involved as I plan on filing a complaint and was told that information was not available. Google support has stated that " Rest assured that your money is safe with us. It 's a process based decision to keep the account on temporary hold when they find any risk issues involved. '' but has refused to release my money or push the transaction through even though my account had been assessed to not be a risk. Google has refused to release any names or ID 's for the specialist team. The risk assessment seems arbitrary and without warning.
Product: Credit card or prepaid card

I received my Sony/Comenity Bank XX/XX/XXXX statement, which showed a balance due of {$1100.00}. I always pay my balance due IN FULL and on XX/XX/XXXX I paid this balance online, from my primary checking account and THE PAYMENT WAS TRANSMITTED to Comenity Bank, as reflected on my XX/XX/XXXX bank statement. 
When I received my XX/XX/XXXX statement, it showed a previous balance due of {$1100.00}, which I knew to be incorrect, as the payment had been transmitted by my bank to Comenity bank, as was my custom and practice. 
After researching everything and confirming payment had been sent, in a timely manner, I contacted Comenity by phone and spoke with an Account Specialist named XXXX and was given a reference XXXX XXXX  She told me due to a system upgrade, payments had not posted properly. I assumed that they would follow up on my complaint, find my payment and resolve the issue. 
Unfortunately, that has not been the case. When I received my XX/XX/XXXX statement it continued to show the PAST DUE BALANCE, which was accruing interest and late penalties. 

I called customer service AGAIN and was told to provide them with the Trace ID number from my bank, for the payment transfer from my bank, which I did, that number is : XXXX Despite my documentation and repeated efforts, I continue to receive statements that show a balance forward, which includes the misappropriated payment, plus accrued interest and penalties. 

Frustrated that this wasnt getting corrected, on XX/XX/XXXX I sent a letter to the company detailing the issue, my unsuccessful efforts to correct the problem, provided DOCUMENTATION ( bank statement showing the payment, tracing documents showing the transfer to Comenity with internal tracking numbers. 
On XX/XX/XXXX Comenity responded, by mail, acknowledging receipt of my claim, assuring me that they were researching it. It said to allow them 90 days to complete their investigation, which Ive done. 
Ive waited patiently for this to be resolved, but every month I receive a statement reflecting the outstanding balance, with accrued interest. Ive contacted them repeatedly by phone, expressing my concerns about this being reported to the credit reporting agencies, negatively impacting my superb credit history and they have repeatedly assured me it isnt being reported. 
I just received my XX/XX/XXXX statement, which continues to show a previous balance due of {$1400.00}, which consists of my original charges/payment of {$1100.00} XXXX {$360.00} in interest and penalties. 

This has gone on for more than 8 months now. Ive given them PROOF OF PAYMENT, theyve had my money since XX/XX/XXXX and this needs to be resolved ASAP, so I can close this account and be done with this company!!
Product: Checking or savings account

To whom it may concern, XXXX XXXX, 2017 My name is XXXX XXXX XXXX and I have a complaint against Citizens Bank located in XXXX, Ohio. I am writing this letter as a short explanation as to how this transpired. I closed my account with Citizens Bank on XXXX XXXX, 2017 and switched to XXXX XXXX around the same time. Upon switching banks I notified all parties whom electronically withdraw monthly payments, as to this change. XXXX XXXX XXXX, who holds my car loan, was not made aware of this change ( due to an internal error ), and proceeded to take my car payment from my old CLOSED account through Citizens Bank on XXXX XXXX, 2017. Instead of Citizens Bank notifying XXXX XXXX that the account was closed, they charged me a {$35.00} NSF charge, and did not pay the payment to XXXX XXXX Bank. As an apology to myself from XXXX XXXX, they sent me four gift cards in the total amount of {$40.00} to cover any NSF charges. I did not feel I owed ANY fees to Citizens Bank for the simple fact that the account was already closed. When I withdrew the remaining monies I had in XXXX XXXX on XX/XX/XXXX, in the amount of {$18.00}, I informed them that I was closing the account. I have not received any notice from them as to this being closed. According to Citizens Bank, I have a negative balance of $ XXXX. I am curious as to how I can obtain a negative balance in an account that is no longer open according to my records? I believe that Citizens Bank is performing illegal banking procedures, and unfortunately I am not the only one who has been affected by this. I am seeking that the account that I had with them be acknowledged that it is closed and that no monies are owed AT ALL. I would like an official letter from them that states these conditions for my records. Thank you for your attention in this upsetting matter. Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX I made a online purchase from Zales outlet online for two ear rings, it was set for delivery on XXXX and it never came. I called Zales and also Comenity- Zales the credit provider to inform that I never received the items. Zales online services stated that they would provide a credit for the items I didnt receive. They only issued a credit for one of the items, i called Zales again to check the status of My order and was giving a tracking # XXXX to monitor the refund for my order. I have a bill with comenity bank thats pass as of XXXX and Zales hasnt corrected the problem.
Product: Debt collection

This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( B ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made so many attempts to fix these problems directly with them and its violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
Please investigate and remove the following inquiries from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
Product: Consumer Loan

In XXXX of XXXX, I mistakenly traded my XXXX for a XXXX XXXX through XXXX XXXX in XXXX Illinois. I should have returned the vehicle and waited until they surrendered my keys to my car, but not knowing better, I stuck with the car feeling that the interest rate was already too high - and the payment, too. It was 17 % or so, but the real shoe dropped the following week : the dealership Fed exed to my work a change in the interest rate to 25 %. Since I could n't return the vehicle and was living on XXXX income and no child support as a single parent, I had to sign it. I was utterly alone because even those who were telling me to return the car were powerless to help me. I ended up paying for the car, and through a series of personal misfortunes, lost that job and the car ended up failing. Turns out the car was a time bomb : the engine was a design requiring the timing belt is changed before a certain mileage and it snapped breaking irreparably. The car was repossessed in XXXX. With a sticker price of {$13000.00} or so, the GM financial company claimed I still owed them just over {$6000.00}. They sold the car at auction for {$1000.00}, somehow I ended up owing them {$7500.00} even though they claimed that the amount was deducted from the loan! The truth was I 'd had to give them numerous late payments and deferments- with a late payment of {$120.00} a pop and numerous other " fees '' including rude and ruthless " customer service '' people, the company who held my loan, Americredit ( later dissolved bought by GM Financial, probably because they 'd taken so many people for a ride that they were being sued and no longer raking in the cash ) made sure that I was ALWAYS on the hotbed for repossession. They threatened, cajoled and I 'm pretty sure that this company had NO interest in the car I needed, rather they wanted that money- that was their goal and they made it clear they 'd take it every time I spoke to them. I found out later that this state Illinois has no limits to it 's loan sharking- other than recent limits to payday and title loans. This state tolerates usury- I was essentially forced to sign a contract against my will since I 'd asked for my car back before this whole thing unfolded! I think that car companies should HAVE to use banks. I am SO TIRED of hearing about the woes of the car companies : our Federal government bought it out to save it, but GM? They are threatening to SUE me! I have no money for them! I 'm XXXX, I have XXXX kids, I 've been working to get a degree ( with Fed backed loans, why ca n't anyone get a loan for a car with bad credit for a car, huh? People need cars! ) and I ca n't buy a home till this loan goes away. Our government is supposed to protect us from this kind of thing, yet it seems to spend more time protecting the companies and the wealthy people who own them. I 'd have to dig out the bills I purposely saved to send you which I could do at a later time, but I found this link and felt compelled to write my story. Thanks for listening.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt amount reflecting on my credit reports with JEFFERSON CAPITAL SYSTEMS LLC.I do not have a contract with JEFFERSON CAPITAL SYSTEMS LLC. they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Debt collection

I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person.
Product: Debt collection

A judgement was issued against me in the amount of {$9400.00}. 
I made contact with the debt collection company and came to a payment agreement of {$200.00} per month. To date I have paid {$1200.00} and have records of all checks. They indicate that my balance is now {$8900.00}. This implies that they have put {$480.00} toward the debt. I have documentation including bank records and receipts from the collector from all payments. The initial agreement nor the court documents make any mention of interest or anything similar, especially at a percentage rate that seems to work out to over 50 %.
Product: Debt collection

My coworker received a voice mail on his personal cell phone for me and emailed it to me. The name given was " XXXX XXXX '' XXXX ext XXXX. I first googled the number and saw it was PDM Debt ManagemenXXXX in XXXX, FL. So, I called the number and received " XXXX XXXX ''. He was immediately aggressive with me. I told them to not call my coworkers personal phone numbers. And, how did they even obtain it? That I know the law and my rights. He raised his voice at me and said you don't know anything about the law. When I again said you have no right to contact people I work with on their personal cell he hung up on me. I don't even know why they are contacting me or even how they got my coworkers personal contact information. But, they have been calling my phone number from different numbers repeatedly for a couple of months now that show PDM on the caller ID. I block one number and get a call a few minutes later that shows PDM on caller ID. Then I get repeated calls from numbers I don't recognize from my area code within a few minutes that don't leave messages. I don't return the calls because I get all kinds of spam calls since I've had this phone number for many years and use it for work and personal use. I have not received any debt collection attempts via US Mail so I have no clue what this is even about.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry from US Bank on my credit report from XX/XX/2018. I never applied for any type of credit with this company EVER. I've sent them a certified letter asking them to have the inquiry removed from the credit bureaus but they've refused to do so. They have no validation showing that I applied for credit. This is negatively impacting my credit worthiness and I want the inquiry removed from the credit bureaus IMMEDIATELY. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry : XXXX XXXX XXXX XXXXXX/XX/2018 Please investigate to ensure there is no fraudulent activity
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX, XXXX  XXXX BANK NA XXXX, and XXXX  ACCOUNT SER XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Checking or savings account

This company is preventing me from accessing and withdrawing available funds from my investment account. My phone isnt working and the only way to withdraw funds is through receiving a text message. I called and waited for 30+ minutes only to receive horrible customer service from XXXX . He lied and said my account has a missed payment and isnt eligible for withdrawal even though I have proof otherwise. He asked me to send a bunch of personal information including bank statements to an email address to prove a payment that has already cleared and shows in the app. I dont appreciate being lied to and having my money held hostage by a shady company.
Product: Credit card or prepaid card

I received a U.S. Bank National Association ( US BANK ) Reliacard in the mail on Friday XX/XX/2020 with a credit card inside that was ready for activation. I opened up the envelop on XX/XX/2020. I never ordered or signed up for such a card. So, I called and spoke to a representative from the customer support line provided in the information and they said that the State of Colorado ordered the card for me to receive unemployment benefits. I have never lived nor worked in Colorado, so this is a bogus claim, or someone is using my identity to claim benefits that are not appropriate. 

US Bank 's " customer '' support line was useless and told me to take it up with the State of Colorado, but would not provide contact information, etc. so I can do so. 

So they will issue a credit card in my name, using my SSN, address, and phone number, but won't help resolve the issue. That is ridiculous! 

They did however cancel the card, but I have no idea how this might affect my credit rating, etc.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion inaction violates federal law and my rights as a consumer
Product: Mortgage

Our income has decreased since buying the house and now we have been facing difficulty paying our mortgage. We have requested a loan modification from Chase several times and been denied. Our current interest rate is 8.5 %. We have 15 years left with a principle of {$38000.00}. Why wo n't the bank lower our interest rate?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX UNKNOWN FURNISHER  account # XXXX ( {$400.00} ) UNKNOWN FURNISHER account # XXXX ( {$220.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

I financed a XXXX XXXX XXXX in XXXX, loan # ending in XXXX Vin # ending in XXXX, I was one of the victims in the improper application of XXXX XXXX added to my loan forcing me to have my car repossessed even though I maintained full coverage auto insurance as required, years later I was given a check of around {$4800.00} and {$290.00} as their for of a " Remedy '' to the situation. this small amount is nowhere close to the amount of money and hardship this whole ordeal has caused me. I was forced to turn in my car which they sold at auction, during that time I relied exclusively on my car to work as I was in a 80 % travel position, I was forced to resign my job because I was unable to get another car due to the false forced repossession of my car, this job was with XXXX a top company in the industry so this issue effectively set my career back and I have yet to recover. also around this time I was a brand new single father with no family resources living in a area where child care required me to have reliable transportation I was forced to rent cars at a high rate to be able to drop my kid off in order seek new employment. another hardship I faced for years was the negative info on my credit, a repossession due to the negligence of Wells Fargo made it difficult for me to get housing or a vehicle at a respectable interest rate. over the last 6 years this has ruined my life and I think the amount sent to me if far too small to even begin to compensate me for the XXXX I've bin through because of Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, I wrote a letter requesting the investigation of accounts on my credit report. I never received a response so I mailed another letter on XX/XX/2021 stating that I hadn't gotten a response. Well it's XX/XX/2021 and I still haven't gotten a response yet. It has been 4 months!! The fcra gives 30 days for a response!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/26, I sent a letter to the credit companies and ask them to verify that the accounts that I listed are correct and need them to send documentation of how these account were verified. It has been 30 days seen I sent that letter and still have not received anything back.