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

On XX/XX/XXXX i traded my vehicle in at XXXX XXXX XXXX in XXXX Or. XXXX financed the loan through Chase Bank. i informed all parties I intended to add money to the loan when I returned for to reduce the payments. Upon my return to my California home on XX/XX/XXXX I went to the Chase Bank branch in XXXX XXXX and explained to representative XXXX what I wanted to accomplish with a deposit of an additional XXXX to my loan. We contacted the bank loan department where I received instructions that I complied with over the next 2 days. I was informed via telephone call that the loan was approved and I was advised to just deposit my XXXX against the loan. After finding out that was beyond my ability at home, I returned to the Chase branch, spoke again to XXXX, again we called Chase and after some discussion, XXXX was able to take the XXXX as we were directed to do, At this time on the phone with Chase I was advised that my payment would be aprox. 250.00 a month and I could start in XX/XX/XXXX if I wanted or wait for the 'letter ' and begin in XX/XX/XXXX. this was the extent of my conversation with Chase until i called Chase on XX/XX/XXXX to find out when my payment was due and where was the letter? I would have called sooner but I had a XXXX XX/XX/XXXX. On XX/XX/XXXX I was told by 'XXXX ' that the loan had been denied because their letter had not been acknowledged. I informed them i had never received the letter and through investigation with XXXX discovered that the letter had been sent to my physical address instead of my PO box as they had been instructed to use. Once this was discovered I insisted the penalties they were adding to my account were unacceptable as this was the Banks error. I was told by XXXX that they would be able to reverse those charges but that they needed me NOW to make one payment on the previous loan payment of {$560.00}, ( the singular motivation for my refinancing the loan amount ). I grudgingly agreed to reduce the XXXX deposit to XXXX and fund the single payment. On XX/XX/XXXX XXXX called me back to confirm what was done and then he transferred me to 'XXXX ' who then tells me that because they cant get the loan into the system by XX/XX/XXXX that Ill need to make another {$560.00} payment. I clearly objected to this as its been the banks errors that have facilitated this happening at all. Ive been a Chase customer for 20+ years, They have my correct addresses and telephone numbers in multiple file locations. I have watched the goal line move a few times with this and its all because Chase made mistakes. I accepted terms and complied with requirements in XX/XX/XXXX. I want all penalties removed, all negative reporting expunged and while I accept the reduction on the XXXX deposit for one installment I reject it beyond that point. Chase made an offer and I accepted that offer, I want Chase to comply with the terms as agreed. As a result I made a payment yesterday at the advertised reduced payment amount. I want the electronic file revised to reflect this as well.
Product: Student loan

Great lakes is trying to say I owe XXXX for student loans I never took out or received money for. The college XXXX online University is now shut down my credits aren't acknowledge by other universities anywhere I don't understand what's going on. I've never made a payment because I do not acknowledge this as my debt.
Product: Money transfer, virtual currency, or money service

When purchase of services with XXXX with my credit card it is considered a " cash transfer '' by XXXX and they do not disclose that is the case. My credit card company charges a fee for " cash transfer '' and refuses to eliminate the option of " cash transfer '' for my account and states that the vendor is the one that determines whether it is a " cash transfer '' or " credit card purchase '' ......
Product: Credit reporting, credit repair services, or other personal consumer reports

The company charged me finance charges, late fees and refuse to correct the delinquent remarks on my credit. The company is aware of me working overseas at the time of the instances. Ive sent letters repeatedly, the response Ive received is ; my letters are frivolous. Im seeking assistance in this matter or I will have no choice but to contact the Attorney Generals office.
Product: Mortgage

I received a " Understanding your available VA home equity Funds '' letter that appears to be from my current mortgage and names them " XX/XX/XXXX 

The mail fraud letter is from Caliver Beach Mortgage company. The letter explains that i have XXXX in available funds and i need to call to see how to disperse them. 

They are defrauding consumers to pretend they are from the current mortgage company to get you to call them and all they do is try to get you to refinance with them.
Product: Debt collection

They have been reporting this account illegally to my credit report. I have disputed this account through the credit bureaus as well as directly to the XXXX XXXX by certified mail asking to verify this is a valid debt several times and have yet to receive a response from them. Last certified mail sent which I know they received was XX/XX/XXXX and still no response to that one. They are beyond the timeframe to Respond and are in violation of FCRA and FDCPA.
Product: Debt collection

I recently reviewed my credit report and noticed that I have an account that I do not know about, and it being reported and effecting my credit score negativity. I have collection of {$1300.00} as of XX/XX/year> and I was unaware of, and the account was open on XXXX consumer reporting agencies need to report all information with complete accuracy. This account that has been created without my knowledge. I have attached a copy of my report to this complaint on the amount and dates that are shown above. I am also requesting you investigate and provide verifiable proof with records showing that I had knowledge of this account. If this information can not be verified, I demand this account to be removed and updated on my credit report immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXL Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX & TRANSUNION LLC Inquiry Date : XX/XX/XXXX
Product: Credit card

Credit reward certificate expired and that was not information that was provided on the APP. XXXX is willing to provide store credit but citi will not provide documentation on the reward certificate
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 USC 1681. 

XXXX - Acct # XXXX US Department of Education - Acct # XXXXXXXX XXXX  - Acct # XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXXXXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXX  - Acct # XXXX and XXXX XXXX XXXX Acct # XXXX, have violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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

I have unknown collections on my credit report which are not mine..And wrong address
Product: Payday loan, title loan, personal loan, or advance loan

Dear Sir/Madam, I am writing to dispute a collection that has been reported on my account. I have no knowledge of this collection and have never seen it before. I believe it to be fraudulent and false, and I would like it to be removed from my credit report. 

I kindly request your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT AND THE FOLLOWING DATA MUST BE BLOCKED WITHIN 3 BUSINESS DAYS : This correspondence serves as a formal demand for the removal of inaccurate and unverifiable information from my credit reports, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Please consider this letter as a notification of violations and a request for immediate action. 1. XXXX XXXX XXXX XXXX Account Number : XXXX. Given the lack of proper debt validation, this account should be removed immediately. 2. Violations of Consumer Protection Laws The inclusion of the aforementioned accounts in my credit report constitutes a violation of : 15 U.S.C. 1681 ( FCRA ) which prohibits the inclusion of unverifiable or inaccurate information in consumer reports. 15 U.S.C. 1692k ( d ) ( FDCPA ) which mandates compliance with debt validation and verification requirements. Due to these violations, I am entitled to {$1000.00} in damages for each instance of willful non-compliance. Given the nature of these inaccuracies, I am seeking a total of {$1000.00} in damages. 3. Legal Consequences and Remedies Please be advised that your failure to address these disputes within the statutory time frame will compel me to pursue legal action. This may include initiating a civil suit for damages and seeking enforcement through legal channels. Your prompt attention to correcting and removing the disputed information is required to avoid further legal proceedings. Please confirm receipt of this letter and provide written confirmation of the actions taken to address these disputes. I expect a response in compliance with the FCRA requirements. Thank you for your immediate attention to this matter. I have never done business with these company and I don't have any knowledge of this debt
Product: Credit card or prepaid card

On XX/XX/XXXX on my behalf XXXX XXXX XXXX mailed a check for {$5600.00} to the address Citibank gave to them : Citibank Express Payments XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX. The tracking # was XXXX XXXX. Shows delivered on XX/XX/XXXX at XXXX, receiver signed as " XXXX ''. I have the cancelled check, which cleared XXXX on XX/XX/XXXX. Since XX/XX/XXXX I have been in contact with customer service at Citibank via the phone number on the back of my XXXX XXXX AAdvantage Mastercard- XXXX to inquire why this check has not been posted to my account, multiple time over the last 2 1/2 months. I have record of who I talked to each time, and what they told me, if you need that information. I have faxed a copy of the cancelled check at least 6 times, to 4 different fax numbers. I have mailed my documentation to the PO Box I was given ; tracked it ; it was at the PO box on XXXX. ( XXXX XXXX XXXX XXXX XXXX SD XXXX ). This most recent interaction I talked with a " supervisor '' by the name of XXXX XXXX from Missouri. Each time I have been told that a person will call me back- they NEVER call me back. This has happened with at least 3 different " Supervisors '' including one from Payment Investigations. I have been paying Citibank and XXXX BOTH for this money and paying interest to both. I am completely frustrated as to WHY Citibank continues to tell me that I do not have enough documentation for my claim ( which they send via letter ). Can anyone help me with this?
Product: Checking or savings account

On Friday XX/XX/XXXX, XXXX bank was officially closed and Fulton Bank took over opening on Monday XX/XX/XXXX. During this change of ownership, printed material was provided with timelines for how things would go. Fulton bank stated that new log on info would be provided via email for my business account, that email never came ( I have checked all my emails and spam folders ) Tried calling on Monday the XXXX, long wait times, I thought I would be patient because its a large undertaking moving all customers. On Tuesday the XXXX, I submitted an online ticket for some help and tried calling, again long wait times. Wednesday XX/XX/XXXX, went to branch, 7 customers deep with only XXXX employees helping customers, too long to wait, I have a store to run. Called, was on the phone waiting XXXX hour and XXXX minutes, gave up, added a comment to my online ticket, still no reply. Thursday XX/XX/XXXX, went to branch at XXXX, already several customers waiting, left again called and today their phone system saiddue to high call volume wait time is XXXX to XXXX hours. Tonight, finally had a reply to my online ticket saying we understand your frustrations regarding accessing your business account through your personal login. However, due to the recent conversion, Fulton bank does not offer business accounts under personal credentials. You may have received separate login email for your business with a temporary password/user name if you didnt please receive this please visit Fulton bank and a registration and sign up for small business online banking. Obviously I know I cant use my business account under my personal banking. However, they did not send me the proper information and they have now closed this ticket saying that its been resolved. 
Fulton Bank is not handling this transition well, I am definitely unsatisfied with them. 
Thank you for this opportunity and I look forward to hearing back from you. 
XXXX XXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

From XXXX XXXX my last four of social security number is XXXX date of birth XX/XX/XXXX XXXX Honda XXXX My complaint is that America Honda finance refused to offer me a three month extension. Reason I was past due I was effected by covid I'm back at work. If they can approve me for the three months extension. Iam able to resume my normal payments with no further problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid {$8.00} for a certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 

On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website to refresh all three credit reports to review. I noticed that said fraudulent account is still on my Equifax credit report. 

According to The Fair Credit Reporting Act, Section 611, the respective credit bureau has 30 days to investigate and remove the fraudulent account. 

On XX/XX/XXXX I paid {$29.00} to my credit monitoring website to refresh all three credit reports to review. I noticed that said fraudulent account is still on my Equifax credit report. I am now submitting a complaint to the Consumer Finance Protection Bureau to obtain their assistance on this urgent matter.
Product: Credit card

My XXXX XXXX  opened this credit card without my knowledge. Telling me it was a payment plan. When I realized what happened, I had them reverse it but there was a {$40.00} late fee which these refused to pay. Informed Comenity Bank who has now sent me a bill for {$590.00} in late charges
Product: Debt collection

I have been past due on my Auto Loan account. I have been making multiple payments a month in attempt to catch up on the debt caused by a XXXX XXXX 

The company has used abusive behaviors, language. 

The company calls me regularly about seven to twenty times a day my phone records can confirm this. 

The company has threatened repossession, damage to my credit, and threatened me with legal action they refuse to take. 

I have requested all the account information in regards to my account to include the contract so I can review it, and requested assistance and they have refused and refused to allow me to speak to management to resolve the matter. 

This is causing emotional and mental distress in my life due to their aggressive collection activities and behaviors.
Product: Debt collection

Good evening, I submitted a dispute in regards to collection accounts on my credit report from Wakefield Collection Agency. When you replied back to me on XX/XX/2021 they provided a spreadsheet with numbers on there to supposedly confirm the amounts that I owe. To show you how shady they are and how they play with consumers credit they removed the accounts off my credit reports ( all 3 ). Then now they have added them back on there and I have proof because I check my credit frequently plus I get notifications when something changes. This proves my point that they are fraudulent and play games with individuals lives. I want this removed from my credit reports immediately ( all 3 ) and I want them to held accountable for doing this to citizens when they feel like it. The only resolution that needs to happen is they remove this and send me a letter indicating they will not attempt to keep adding this back on my credit. Im also going to contact each credit bureaus and show them how they are playing games as well. If this is not taken care of I dont mind going to the media to make it know how collection agencies need to be held accountable for the reprehensible behavior tactics used to ruin peoples lives and livelihoods. If you need proof I have it showing how they removed it once I filed with you and now have placed the same info back out there and this is unacceptable.
Product: Checking or savings account

While reconciling my XXXX and XXXX XXXX & XXXXXXXX XXXX XXXX bank accounts to ensure that the amounts reflected in my bank statements matches my internal business records. my general ledger and balance sheet was not accurate which caused me to look into my Bank Statements line by line. I have discovered my XXXX Bank account XXXX XXXX, XXXX with bank of America.. account number XXXX had unauthorized Transaction. the first two Transaction that i've notice was on XX/XX/XXXX with a company named XXXX XXXX for a unauthorized transaction amount of {$67.00} & {$3500.00} the same exact day, The second transaction amount was on XX/XX/XXXX with the same company XXXX XXXX XXXX XXXX for a unauthorized transaction amount of {$3700.00}, The third transaction amount was on XX/XX/XXXX which is the same company XXXX XXXX XXXX XXXX for a unauthorized transaction amount of {$3700.00}, The fourth transaction amount was earlier this year on XX/XX/XXXX with the same company XXXX XXXX XXXX XXXX for a unauthorized transaction amount of {$7300.00}, the fifth transaction amount earlier this year on XX/XX/XXXX with " XXXX XXXX XXXX for a unauthorized transaction amount of {$4400.00}, the sixth transaction amount earlier this year on XX/XX/XXXX with XXXX XXXX XXXX XXXX  again for a unauthorized transaction amount of XXXX, the seventh transaction amount of {$53.00} was with " XXXX XXXX '' on XX/XX/XXXX, the eighth transaction was with " XXXX XXXX '' on XX/XX/XXXX for the Amount of {$24.00}, Lastly the 9th unauthorized transaction was with " XXXX XXXX '' for the amount of {$24.00} on XX/XX/XXXX. 

I have disputed these unauthorized Transaction with Bank of America on Thursday XX/XX/XXXX that was discovered by myself and my accountant. I will attach a copy of the unauthorized dispute I downloaded from my BofA Mobile app.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX I received notice of debt from a debt collection agency. I have disputed the alleged debt with the company that sent the notice. After an unsuccessful attempt, I received another notice from a different company regarding the same alleged debt. I have written the company notifying them that I once again am disputing the alleged debt. I then received notice from what appears to be the original creditor of the alleged debt saying they validated the debt, however I will still be disputing this information. The alleged debt is still being reported on my credit report for the past few months while this alleged debt is being disputed, which is a violation of my consumer rights.