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

i payed XXXX down for a vehichle they lied about a loan they never gave me the loan is fraudulent! scamming people for money getting extra money! in other words I didnt get a auto loan account but the paperwork said i did! the interest is for daily rates like im leasing the car instead of buying it
Product: Credit card

I have a small business. I have a Chase business account and with them I could collect payments with credit cards processing service through WEPAY. Since I opened this account I have use it only once to received a payment and had no problems.On XX/XX/XXXX  I received a payment of {$2700.00} with a client 's credit card and I processed the payment on my phone with the Chase app and the payment went through.An hour later I received an email from XXXX with this response : " Your payout has failed We've canceled your XX/XX/XXXX  withdrawal of USD {$2600.00} '' with no further explanation. On XX/XX/XXXX  I called Chase Support they said they do not have any information on why my funds where being held and also they told me I could appeal the decision with Wepay through email. I sent the appeal email to Wepay with a copy of the contract that my client signed and all her information and the receipt for the {$2700.00}. I also ask them to contact my client to corroborate the transaction.Shortly after I received an email stating that funds still were going to be held for 120 days and can not give and explanation the answer was " All information regarding our review process is proprietary, so no additional information is available in these instances. '' they did not investigate at all. My business is small and depends on this payments. Holding my funds for 4 months will hurt my finances. I hope you help me to resolve this.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the false accounts appearing on my credit report. Its important that this is done promptly. I am appealing for your support concerning the misleading account on my credit report. The issue has badly hurt my reputation, and I need your help. Your mismanagement of my credit report has deeply damaged my standing, and these wrong details must be removed immediately.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX Account Number : XXXX XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX {$420.00} XXXX : XXXX XXXX Account Number : XXXX XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XX/XX/XXXX {$420.00} XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX {$420.00}
Product: Credit card or prepaid card

Around the XX/XX/XXXX I noticed transactions unauthorized or unfamiliar on my account but due to I didnt get or receive my statements even mail or email service ( I requested on XXXX and they start sending the statement last month ) I made and send the report with the transaction highlighted to this bank to make the corrections. XX/XX/XXXX, receive a letter in reference to my claims said- no error has occurred in this instance.We now consider your claim resolved. But wait? They didnt do anything or resolve nothing and on the bottom said a number to call. I call that number and the representative tells me : theres no documentation relied to your claims. So? Honestly I need help because is my and family money
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, mine was under reference # XXXX and # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and fraudulent inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX -- -- -- -- -- -- -TRANSUNION : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 2 inquiries that i didn't authorized from citi bank from XX/XX/2018 and XX/XX/2018.
Product: Credit card or prepaid card

Subject : Complaint of misleading customer Dear Sir/Madam, I installed XXXX XXXX on XX/XX/XXXX from company XXXX XXXX XXXX XXXX XXXX Total price of installment was {$13000.00}. I was offered a financing option from their contact ( company who installed the HVAC ) bank ( HOME DESIGN/SYNCHRONY BANK ). XXXX XXXX from heating and cooling company called me and told me they have sent all documents to bank and the installment is {$340.00} per month. They told me they will provide the me link to setup payment. I asked them what are terms and conditions. They told me whatever installment plus {$29.00} per month service fee. I told them it is not bad deal. I setup auto pay for total of $ XXXX and started paying. 
On XX/XX/XXXX my remaining balance was {$7800.00}. On XX/XX/XXXX I got an email stating that my remaining balance is {$13000.00} adding all the percentage of interest from beginning ( total $ {$5500.00} ). I paid all those months to pay again. I was really sad. I called the bank about the situation they told me it was a promotion at that time. Because of not paying off all loans within that promotion period interest was added from beginning. They told me they can not do anything about it. Heating and cooling company directed me to bank didnt satisfied me why would they not let me know about loans terms and conditions. 
In this situation I am feeling I was misled from heating and cooling company. The person who contacted me about financing options was not serious or careless who failed to explain me about loans terms and conditions that cost me extra {$5500.00}. 
When I received a link to setup payment there was a set amount. They knowingly set my monthly payment lower so that they could claim the more money. I had never heard of this in my life. I didnt not have any option to change the monthly payment and I did not set up amount. The set amount was less so I could not pay off with in the promo period. I did not pay attention to those emails until XXXX of this year XXXX because I had auto pay set up and having that amount ready in my account. I was never missed any monthly payments. 
In short I was not told the terms and conditions of the loan so I believe I should not pay the interest from beginning again. I am happy to pay whatever the interest is to remaining balance or I can pay off remaining balance altogether.
Product: Debt collection

I filed a complaint asking for copy or original bill they did not submit it, they typed up a bill. The original bills has an adjustment for XXXX, and zero due. I got it from XXXX. They are also trying to collect intrest on a debt I do not owe them. When I called them they even gave my a much higher amount and offered to settle for just over XXXX.
Product: Debt collection

All debts on my record are over seven years old. They are hospital bills. I had insurance at the time. They keep calling and harassing me for multiple years. They keep getting sold off to a new debt collector that keeps changing dates on my credit score. I have never once indicated that was my debt. I have never acknowledged I was who they were calling for. For all I know these arent even hospital bills. I havent even been in that state ( XXXX  ) since 2017. There dates are incorrect. It is unfair for it to keep renewing when it has been on my report for too long without any proper documentation. I want justice!
Product: Vehicle loan or lease

XX/XX/2018, I signed up a 3 year lease with Ally through XXXX XXXX XXXX for me to pay {$340.00} monthly on the XXXX of every month. I paid at least a few days before the deadline through my bank, XXXX. 
I had a car lease with XXXX before this, and that's how i did it with them and never had a problem. 
I have received a text about a past due from an unknown number a few times last month, at first i just ignored it, but this month i was curious so i logged in to my Ally account, and to my surprise, the amount that i should pay monthly has change since the beginning i guess. I was so mad because I've been paying on time and this might have affected my credit score. 
I checked my account and they have increased the amount since i don't know when cuz i can only see the past 12 months transactions. 
For any changes, they know my address, phone number and email, they should have sent a letter to inform me of any changes and reason as a courtesy to a customer or just for being responsible. 

I sent an email to XXXX and Ally but did not get a reply from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Transunion are reporting incorrectly a collection for XXXX XXXX XXXX XXXX, partial account number XXXX. This collection apparently occurred when I had moved from XXXX to XXXX. I called XXXX XXXX XXXX XXXX to close this account because I paid my final bill. I have the receipt for the final bill. I recently checked my credit report and I have a collection with XXXX XXXX XXXX XXXX reporting with all three credit bureaus. I contacted customer service at XXXX to see why they would send me to collections when I paid the final bill and the manger on duty could not verify my address, date of birth, social security number or forwarding address that I provided for the XXXX XXXX XXXX XXXX account for XXXX. The manager stated to me that even though they could not verify any of my information, the collection would stay on my credit report for the next seven years. 

I previously filed a Consumer Financial Protection Bureau ( CFPB ) complaint against XXXX XXXX XXXX XXXX, however I was informed that utility companies are not regulated by this Bureau. Therefore, I am filing this complaint with all three credit bureaus for incorrectly reporting this on my credit report. This reporting is harming my credit score. to have these items removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent certified letter, XXXX, via US Postal Sevice to Equifax, disputing inaccurate reporting of bankruptcy on my credit report. 
The letter was signed for by a representative of their company on XX/XX/XXXX. 
( See attached letter ) On XX/XX/XXXX and again on XX/XX/XXXX,  Equifax responded to my complaint and stated that the information was " verified. '' On XX/XX/XXXX I sent certified letter, XXXX, via US Postal Service, to Equifax requesting that the description of the procedure used to verify the accuracy and completeness of the information was hereby requested. Signed by a representative of their company on XX/XX/XXXX. 
( See attached letter ). 
On XX/XX/XXXX Equifax, once again sent the the identical letter as " verified, '' with no explanation of the verification procedures. Only stating that public record information is obtained through a third party vendor, XXXX XXXX. 
On XX/XX/XXXX I sent a letter to XXXX XXXX disputing the accuracy of bankruptcy on my credit report. 
( See attached letter ). 
On XX/XX/XXXX I sent certified letter, XXXX, via US Postal Service to Equifax once again, explaining to them that the Bankruptcy Court does not report to credit agencies, nor have a relationship with them. I included a letter, obtained by The Federal Bankruptcy Court. This was signed by a representative of their company on XX/XX/XXXX. 
As Equifax continues to report on my credit report, Chapter XXXX Bankruptcy, reported by XXXX Federal Bankruptcy XXXX-XXXX, XXXX XXXX XXXX XXXX, PA. 
( See attached letter ). 
On XX/XX/XXXX I personally called Equifax, and spoke with a representative, and told her about the numerous attempts that I have made to have this erroneous information removed were futile. She stated that I should submit an online dispute, which I did on XX/XX/XXXX. I again, included the letter from The Federal Bankruptcy Court, stating that they do not have a relationship, nor report to credit agencies. As the information listed on my credit report is listed as being reported by XXXX Federal Bankruptcy Court, XXXX, PA. 
On XX/XX/XXXX, Equifax once again " verified '' the information. 
On XX/XX/XXXX XXXX XXXX responded to my initial letter on XX/XX/XXXX, and deleted information in their bankruptcy records based on my dispute related to case number XXXX. 
( See attached letter ). 
I am filing my complaint today in order to have Equifax remove this inaccuracy from my credit report.
Product: Student loan

This awful company has preyed on me for years and harassed and threatened me when I simply could not afford to make a payment. 
The income-based payments I make are still not affordable to me. These payments are only covering interest, which only keeps compounding, and the company refuses to let me apply payments on the particular loan I wish to pay. Thanks to Navient, Im stuck with a debt I will never ever be able to repay. 
Every day my XXXX and XXXX over this matter continue to grow and Ive considered XXXX   as the solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not reporting correctly. This was a corporate loan that did not require a personal guarantee. I have disputed this account but no one pays attention to rectifying the needed corrections. This account was paid off and not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Informed the credit agencies that I did not sign a contract or open an account with these companies. I assured them that I have not benefited in any type of way from the accounts. I sent all three certified mail letters stating the XXXX, fraud, a police report stating such incident, and an affidavit reporting all this. When I originally reported these accounts as fraudulent the credit agencies said that had to file a police report before they would remove these accounts. So I followed their rules and did but was told they would only remove the information if the creditors decided to do so. I informed them that I am stuck in a never ending cycle because I am telling you this information is inaccurate but you will believe the creditor over the consumer. XXXX conversation of XX/XX/2022 is file number [ XXXX ] which should have been recorded. I was told it was nothing they could do unless the creditor decided to remove it. I feel like my rights are being violated under U.S.C. 15 1681 ( c ) XXXX and 1681 ( e ) and I am trying to resolve this manner in the policy they asked of me but still no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my XXXX credit report # XXXX dated XX/XX/XXXX and it shows the following hard inquires : JBMCB   with an inquiry date of XX/XX/XXXX, JBMCB with an inquiry date of XX/XX/XXXX, JBMCB with an inquiry date of XX/XX/XXXX, JBMCB   with an inquiry date of XX/XX/XXXX and JBMCB with an inquiry date of XX/XX/XXXX. 

I do not recall giving authorization for these inquiries. I also do not have any open or current accounts associated with these inquiries. Please delete these inquiries immediately from my credit report. 

Conversely, if you do have documented proof with my signature of authorization of these inquiries please sent me a copy of such within 14 days. 

Thank you.
Product: Student loan

Georgia Student Finance commission is operated by an incompetent underfunded staff. 

They will not honor credit disputes dispute evidence and clear demonstration of issue. 

I believe there is also internal corruption on who gets things removed from credit reports to protect their internal record of reporting correctly even if circumstances change or prove to the contrary they will not correct files to update so they dont look bad Well an FTC investigation will look bad I have spoken with them multiple times and they have significant apathy. 

I was in the hospital with XXXX unable to pay and barely able to work after and missed a couple of payments I have significant income but this impacts my credit due to circumstances outside of my control. 

My understanding is the law provides specific relief for these situations. 

I express my fullest discontent and desire to see justice and my report corrected and the institution investigated.
Product: Debt collection

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX
Product: Credit reporting or other personal consumer reports

inncorrect information reporting on my credit report, In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX Account # XXXX has violated my rights. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

keesler fcu 2017
Product: Mortgage

We hired a realtor to handle all aspects of this transaction and currently, have a contract pending to sell our home as a Short Sale. Closing date of XX/XX/XXXX. Shellpoint Mortgage Servicing sent our agent the 'Agreement to Release Collateral Interest ' stating that Shelllpoint obtained approval to release interest for the amount less than the total due on loan. The terms did not include a 'waiver of deficiency ' or statement waiving the right of the investors or Shelllpoint to collect that deficiency in the future. Because of the future liability, we contacted Shellpoint to request modification of this agreement. I was notified that by my agent that he was not able to get in touch with XXXX, the representative handling our file. I left various messages for XXXX with no callback. I spoke with several representatives ; XXXX a CSR stated ; " We would not be liable for the deficiency and that the verbiage is never written and customers always question the verbiage. She assured we were not liable and we were good to go ''. I asked this to be put In writing and I was transferred to XXXX voicemail. 
I also spoke with XXXX, XXXX, and XXXX. On XX/XX/XXXX I was transferred to XXXX in Loss Mitigation, who confirmed the Agreement to Release Collateral Interest to be incorrect and an error on their part. He stated a new Agreement to Release Collateral Interest would be drafted showing that the debt considered fully satisfied for less than the amount due and with no remaining deficiency balance owed. The last paragraph of the agreement, regarding any collection of the remaining balance due and owing, would also be removed. 
On XX/XX/XXXX I contacted Shellpoint to inquire on the status of the newly drafted agreement. I spoke with XXXX who confirmed the agreement was written and sent on XX/XX/2017. I requested that she fax it to my agents who in turn emailed the agreements to me. Surprisingly the agreements were not modified as discussed. In fact, the only thing that did change was the date. My agent contacted ShellPoint mortgage and spoke XXXX who informed him that the agreement was a legal document and could not be modified. Apparently, we are getting the run around from this company. Per the agreement, we have to close by XX/XX/XXXX. I am unable to get anything accomplished with this company. The agents I hired to handle this transaction, and I have been getting the runaround with no resolution. 
My wife attempted to call today XX/XX/2017. She spoke with XXXX who transferred her to Loss Mitigation, XXXX. Again he was unavailable but was working. Per XXXX, she directed my wife to contact the Manager XXXX who could be reached via the XXXX # ; my wife left a voicemail for XXXX, once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I submitted telephonic requests, on or about XX/XX/XXXX, for our annual credit report from Equifax. The automated message said the reports would be mailed within 15 days. I submitted an online inquiry as to why we had not received our reports and have NOT received a response, of any kind, to this day. 
We have re-submitted our telephonic requests, again today in hopes that we will, eventually, receive what we should have long before this. 
We have inquired, several times, as to why, after many years of receiving these reports online, we can no longer do so. We have no recourse than to submit an online request but over the years we have found that all three of the credit reporting agencies are reluctant to honor the requests. It is really too bad we are held hostage by these entities.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In XXXX  I got a loan through XXXX XXXX XXXX XXXX. The loan was paid off by the insurance company and gap paid the remainder. However, the company is claiming that they need an additional {$490.00} I don't know why but I disputed the account with all 3 credit bureaus and its still reporting on my credit as charged off. 

If the company claim that the account is charged off then Im requesting a 1099c that this debt according to the IRS is cancelled and needs to have all 3 credit bureau aware of this immediately.