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

I leased a XXXX XXXX from XXXX XXXX XXXX in XXXXXXXX XXXX on XX/XX/XXXX with a lease end date of XX/XX/XXXX. I had moved out of state from XXXX to XXXX in XXXX of XXXX and communicated with the financing department that coordinated the lease, XXXX XXXX XXXX. As the lease end date approached I was in direct communication with their lease-end team that I was intending to return the vehicle to a dealership that was not the originating dealership to which I was told that any dealership that was willing to receive the vehicle and was a XXXX associated dealership would be fine. I returned the vehicle my local dealership of XXXX XXXX XXXX on XX/XX/XXXX with their lease end specialist with a confirmation and odometer attestation that was to be sent to XXXX for them to be able to collect the vehicle. I have subsequently be charged by XXXX for two months of lease payments to which I spoke to their call center several times that I have returned the vehicle to an acceptable dealership with all necessary information. I was told that my account would be updated. I was still called by their financial team about an overdue balance and furnished the information multiple times without account resolution. I have also spoken to the lease end specialist at XXXX XXXX XXXX to confirm that this information has been conveyed to the XXXX team. This overdue balance has now been reflected on my credit report as delinquency despite my efforts. I have yet to get a satisfactory solution to this problem.
Product: Credit reporting or other personal consumer reports

My information was used illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal unauthorized inquiries from my credit reports. 

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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. Stares I have the right to privacy 15 U.S.C 1681 Section 604 A Sction 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 consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not finish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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, 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. REMOVE THESE ADDRESSES AS THEY ARE NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXPLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

I have tried to get Equifax to assist me with my credit report numerous times. They have failed to update any of the information I have asked to investigate. My name is not reporting correctly, there are multiple addresses that I have asked to remove, accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00}. I have asked to dispute and nothing has been done. They have violated my consumer rights based on the FCRA.
Product: Money transfer, virtual currency, or money service

I did a wire transfer ( Bank Of America/ Saving account ) on the XXXX of XXXX to XXXX to my own account and they cancelled the transfer and also blocked my account. 

I called them, they unlocked my account, did the transfer again on the XXXX of XXXX and the next day ( today ) I tried to enter in my Bank on line to see if everything is running right, and my acces is block. 

I don ; t know what else to do, to them to allow my transfer
Product: Credit reporting, credit repair services, or other personal consumer reports

This account did go to collections. XXXX XXXX sold my account to a collection attorney because at this time, my husband was severely injured in the XXXX XXXX he worked. He had to receive XXXX XXXX XXXX After all was said and done, I reached out to the attorney to begin payments on my debt. The account has been paid in full and I was mailed the title to the vehicle. A year or so later, the vehicle was traded in on a truck. XXXX XXXX continues to report this account as open, delinquent, with a {$3300.00} balance. Since XXXX. I do not owe this money. They do not have the title but continue to refuse to remove this from my credit file. I would NOT have been able to trade this vehicle in without a title. My issue is that I don't know how to prove this as this occurred almost 10 years ago and I have nothing to definitively prove this is what happened. As of XXXX this account is the only negative mark on my consumer file. They have refused to remove this and I am in desperate need of assistance. Please ask them for a copy of the title to prove the account. They can't do it because they don't have it. I DID.
Product: Checking or savings account

On XX/XX/XXXX, I flew via XXXX XXXX from XXXX to XXXX. In the process of boarding, an airport official asked me to verify my carry-on bag fit into their carry-on verification compartment. Prior to me even trying to fit my suit-case in the compartment, the airport official demanded that it would not fit and because of that I needed to pay a checked bag fee in order to board. He charged my card {$130.00} immediately and forcefully ( threatening to not let me board the plane if I did not pay ). Moments later I showed him how my suitcase DID fit into the verification compartment ( photo included below ). He said he was unable to authorize refunds and I would have to go through the airline to get a refund. I carried my bag onto the plane as evidenced in the photos submitted. As a note, I also flew via XXXX XXXX to XXXX from XXXX with the same type of ticket and had NO problems with my carry on luggage. My boyfriend who also flew with me both ways and had the same ticket as me also had no problems with his carry on luggage. 

Because of this, I disputed the transaction with Wells Fargo. On XX/XX/XXXX I learned I had lost the dispute. I contacted Wells Fargo and they told me to get in touch with the airport and airline to get proof that they wrongly charged me. The airport deferred to the airline ( as evidenced in attachment ). I submitted my claim with XXXX  on XX/XX/XXXX, attached below. They did not get back to me until XX/XX/XXXX, which only underlines their lack of attention and care to this matter. 

In the email chain attached you will see that XXXX  changed their reason for charging me and are falsely claiming I was charged because my ticket did not allow a carry-on bag. This is simply not the case and their own website proves that this is not the case. The fact that my boyfriend who had the same ticket as me was never charged for his carry-on further illustrates that this reason is invalid. I included proof of this in the email chain and they repeatedly kept sending the same language over and over again. 

I contacted Wells Fargo 5 times after the dispute was closed to reopen this claim and force this Airline to give my money back. Each time, they advised me to send documentation in order to reopen the claim. I sent the summary and documentation 3 times via email, 1 time via fax, ( the first email and fax attached ) receiving confirmation of receipt each time. Wells Fargo denies ever receiving this documentation. On XX/XX/XXXX, a WF representative finally advised me that they are unable to reopen a complaint after it has been denied. I had spent hours on the phone and was given false hope by multiple associates that the complaint would be reopened as soon as I sent the documentation. ( Which I had sent ). I filed complaints with WF after each call and was advised someone would be in touch within 10 days to get further information, this never happened. 

I am hoping CFPB is able to find a resolution in this matter.
Product: Bank account or service

I noticed a charge for {$170.00} on my american express bluebird card from my health club. I went to the health club and the manager said the charge was a mistake and was based on some old paperwork that had a one time payment on the bluebird card. The manager refunded my money and gave me a receipt for the refund. American Express however will not release the funds, which I desperately need today to pay my electric bill, for 8 days. I did n't do anything to incurr this charge and I promptly addressed it when I became aware of it. American Express Bluebird however refuses to help me or even give me an email contact where I can describe the issue. It appears that American Express Bluebird Cards are being marketed as an alternative to banking when it is not. The money in a bluebird account is not secure and any merchant mistake can cause the consumer to lose all access to their money for 8 days.
Product: Student loan

Loans went into repayment in XXXX after I finished graduate school. I didn't successfully complete certification for my new career until XXXX of XXXX. Between that time my loans had been transferred to Navient of whom I contacted several times to see if I could pay a reduced amount toward my loan. They told me they could not accept any other payment other than what they had stated to me during my conversation with them. I explained that I could not afford the amount they wanted me to pay, but I could make a monthly contribution within my means so that I could just start repayment. Over and over again on calls I was told that NO money would be accepted and instead my loans were placed into deferment, then eventually forbearance which over time has collected a large amount of interest. In XXXX I was pretty much forced to find a solution to my loan debt or else my loans would of defaulted, or so I was told by a Navient representative. I did find out later that I could of went on an emergency forbearance in order to prevent that. That did not happen because I was not offered that option that time through Navient. They basically said that was the only option, start paying or be placed in default. I had to do something, so I enrolled with a third party servicer, XXXX XXXX in XXXX. I learned that this company also has a lawsuit filed against them. I received information from the Federal Trade Commission regarding the lawsuit in XXXX of XXXX. There is no secret that I was not able to maintain and live with a large monthly loan payment. Even on the repayment plans offered this is not conducive. I have offered in most recent years to pay XXXX XXXX monthly with my now servicer XXXX, and they too have said that they can not accept the payment. In my case I am looking to have my interest fees waived during the time my loan was being serviced through Navient ; in particular for giving me false information regarding repayment options and resolutions for my student loans. I would not have entrusted my student loan to a third party servicer, but I felt I had no other choice. XXXX as far as I know was not making full payments on my behalf towards my loan either. I am not quite sure how to go about collecting my year 's worth of payments made to them. I am willing to pay, I just want fair options and opportunities to be presented to me in doing so.
Product: Credit card

My credit card payment and line of credit are payed. However, up until this time still reflect as not paid. Please investigate.
Product: Credit card

USAA bank identified back in 2019 that my Ex wife had used a remote access to log onto my personal banking account. The representative explained they could see this through the IP login data. This proves I had no knowledge of her exploiting my banking information so I wouldn't be notified of her spending. The representative at USAA also verified my personal alerts and notifications had been altered. I explained this to more than one representative but USAA never dismissed or reversed any charges even though I never knew of any spending on my credit cards until calling the bank one day. I was still held accountable for the debt I didn't do. I was told because of the time frame they couldn't help. USAA never explained how my ex wife was able to accomplish accessing my personal account. It could of been because they are partially liable or at fault and don't want to explain. My ex wife was never added to my American Express card ither and USAA wouldn't explain or address how she was able to utilize that card. All USAA did was tell me fraud wasn't committed because I had added her to two credit cards. My ex wife had violated numerous banking policies that were illegal but USAA still held me accountable for the debt. I have never been in debt besides this situation, why USAA allowed her to charge three and four times my credit limit is extremely disturbing and should have been denied and never allowed. USAA failed to protect me and my credit but then decided to hold me accountable for something I wasn't aware of. Their practices are very unethical and unfair. I also never authorized any credit line increases which a USAA representative verified someone had which again wasn't me. I only found this out by calling the bank directly one day and found out only because the representative claimed they had to advise me I was overdrawn on all of my credit cards. I had absolutely no idea what was taking place.
Product: Credit card or prepaid card

This is a continue complaint on Comenity Bank in relation to the XXXX XXXX XXXX store credit card. 
The first complaint-XXXX-XXXX  in which Comenity Bank made the adjustments and resolved the issue. On a later complaint-XXXX-XXXX, Comenity Bank is now stating the charges were reinstated on my account because I requested a stop payment with my bank. This is not the case. Firstly, I contacted my bank and in speaking with a representative, they indicated it is not their policy to provide information of a customer 's account activity to a third party. Secondly, my bank is showing no history of a stop payment or request on my account. If there was a stop payment request with activity a stop payment fee would have accompany with the activity. I did request my bank to do an investigation of Comenity Bank and their activity related to the charges. Thirdly, Comenity Bank stated in their previous response to the complaint investigation the XXXX XXXX store credit card account was closed with no charges and reporting on time payments to all three credit bureaus. Comenity Bank has since made the decision to reopen the account and assign charges, with late fees, and reporting negatively to all three credit bureaus which is affecting my credit scores tremendously.
Product: Credit reporting or other personal consumer reports

I have an account on my credit report with XXXX XXXX XXXX XXXX that I have paid in full and account is closed. Its still showing on my credit report as open and with a balance I will like for this to be updated to closed and paid or deleted due to my rights fcra. I will be submitting documentation Thanks
Product: Credit card or prepaid card

So i got a letter saying they messed up fees for late payments and gave me a XXXX credit from when i ad the card. I filed bankruptcy on this card many years ago - approved and discharged. They say the balance is still there and they applied the credit to a balance that shouldnt exist, rather than send a check for XXXX XXXX that should written off due to bankruptcy. Who else have they done this to? So they compounded an MRA i would guess with something even worse. this seems illegal. The rep on the phone didnt even seem concerned. She stated your not responsible for the balance after bankruptcy but the balance is still there and this credit was applied. Didnt even address the real issues. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

The balance and/or past due amount are/is incorrect. The amounts, other than balance and/or past due, are incorrect. Delete this account from all three bureaus. Account was closed XXXX  years ago and is now showing open. It was closed status. This account violates the law. 

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

Recently, I have began cleaning up my credit reports. I have noticed fairly quickly that I had a unimaginable amount of accounts from  XXXX . I began to review these accounts and noticed a few issues almost immediately. The biggest issue is the fact that I I have roughly  XXXX  accounts showing up as closed with a delinquent status. It is also showing that I have a charged of account status of roughly {$32000.00} total. These loans have been negatively effecting my credit and financial situation since  XXXX . I have been denied car loans, credit cards and other financial items directly related to these student loans. My current car loan is at 20.9 % apr for a  XXXX    XXXX   XXXX  . I pay {$410.00} on a vehicle I could be paying {$200.00} a month for. I can not begin to tell you just how negatively this has effected mine and my families life. I hope you can offer some assistance or relief in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX CARD. The dates were XX/XX/2020, XX/XX/2020, XXXX XXXX/XXXX XX/XX/2020,XX/XX/2020, XX/XX/2020, XXXX/XXXX 1XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX/XXXX XX/XX/2020,XX/XX/2020, XXXX/XXXX XX/XX/2020,XX/XX/2020, XX/XX/2020, XXXX/XXXX XX/XX/2020,XX/XX/2020, XXXX/XXXX XX/XX/2020,XX/XX/2020,XX/XX/2020,XX/XX/2020,XX/XX/2020,XX/XX/2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this late mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.
Product: Money transfer, virtual currency, or money service

Scammer perpetrated being a verified seller of XXXX XXXX tickets. He said he had two for the XXXX location for {$350.00} each. I should have thought it over more. He gave me a phone # to transfer money to Zelle, which I did, {$700.00}. Obviously I received nothing in return, and he did not answer any attempts of contact.. I gave it a day or so and requested the money back through Zelle with the memo to please refund my money or send the tickets as per agreement. Nothing. Today I was going to request again, but now when I put the number in Zelle, I get " Something went wrong. There is an issue with this mobile number ''. Of course there is. It also appears I have been blocked from the ticket resale site.
Product: Debt collection

Companies are attempting to collect debt on charged off accounts and a 1099c was not provided, companies are as follows : MAZDA FINANCIAL SERVICES for {$17000.00} Charged off as bad debt Profit and loss write-off Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX XXXX
Product: Debt collection

I advised this company to stop calling me on the dialer on several occasions. This company has not respected my wishes and continues to call me on the automatic dialer. On  XXXX   XXXX  I received yet another call.
Product: Credit reporting, credit repair services, or other personal consumer reports

checked my credit and noticed and 1 account that does not belong to me and multiple inquiries. 

XXXX/XXXX XXXX XXXX / date opened XX/XX/XXXX XXXX AMOUNT {$6800.00} UN AUTHORIZED INQUIRIES XXXX XXXX   XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XX/XX/XXXX Automotive Finance XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I was recently notified XXXX & XXXX XXXX placed a mark for collection on my credit and I have no prior remembrance of this billing.
Product: Debt collection

i won a small claim against XXXX  XXXX. XXXX  XXXX  refused to pay the judgement. i went back to the court and decided to garnish XXXX XXXX XXXX bank account. i did all the proper paperwork and wells fargo 's response was XXXX XXXX did not have an account with them and they had no idea for XXXX XXXX was. 
i then hired an attorney at a cost of {$600.00}. they hired a company to investigate XXXX XXXX and find out where they bank. the investigation found that XXXX XXXX  does bank with wells fargo bank. currently has an open and active account. the investigation costs another {$600.00}. {$1200.00} to find out something in alreasdy knew. 
wells fargo lied and submitted inaccurate documents to the court. they should be held accountable