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

They repoed my car XX/XX/XXXX after I called and asked to be placed on a payment plan because I was sick going thru XXXX they said okay but still took my car asked me to pay a huge lump some of money I couldnt afford at the time and towing fees and a fee to get my items out the car than XXXX weeks later I received a letter saying they sold the car at auction and Im on the hook for XXXX dollars for XXXX XXXX XXXX with XXXX miles which is a rip off this as effectively messed my life up my mental health and my lively hood they just getting over on working class thats In need .. they call me XXXX times a day leave messages emails letters call from all type of number all times of the day Im going through enough
Product: Debt collection

The dispute i currently have is with Suburban emergency associates over a bill they did not properly bill or explain the charges on the bill. i asked them more then once for itemized records of where the numbers they have are coming from as i do not think i received the services they are billing for. Next thing i know there is a collection agency calling and sending letters threatening to sue me if i do not pay now. I responded to them asking that the matter be sent back to the service provider so i can try to get the correct bill amount and explanation they responded by threats of law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with an account and inquiries I did not authorize, please delete it is affecting my life.
Product: Mortgage

Mortgage company stated they informed us through the mail that the mortgage payment was going up, we never received a letter from them informing us of this event! We continued to make payments of previous amount due on time. 
The mortgage company received our payment and deemed it to be a partial payment, and reported it as a late payment to the credit reporting agencys. 
Our payment as we knew it was made on time. We had no knowledge of a payment increase, and continued to make the same payment as usual. 
When contacted by us the mortgage company just said they mailed a rate increase to us, and there was nothing they could do it was a late payment!
Product: Credit card

On XX/XX/23 a transaction was posted on my card that the Company recognized as fraudulent and they informed me. I confirmed it to be fraudulent and had them close the card. Four days later, another {$1100.00} transaction was posted with an XX/XX/23 transaction date, a transaction that I did not initiate nor have any idea who filed it. When it posted, I reported it to the Fraud team who said they would investigate. Two billing cycles later, when it remained on my bill, I complained that they still hadn't removed it. They simply declared the transaction valid without any info related to the investigation nor how they determined it was valid. I had no participation in it. The company keeps adding interest. I have a 9 page document that illustrates all the exchanges with the company that I will attach.
Product: Debt collection

I had an identity theft they opened a credit card with this bank that account is fraudulent and I contacted them and they closed the account but I need to be removed from the credit bureau because it affects me. 

Account : # XXXX
Product: Checking or savings account

See previous Claim. USAA had now DIRECTLY LIED about the company, XXXX  : " The merchant responded on XX/XX/2022, declining your request for a refund as they indicated you attended more than 50 percent of the course, '' This is a direct false claim by USAA and XXXX. i NEVER attended more than 50 % of this course. I left before 50 % had been completed. 

This decision was made on a lie. This is a complete fabrication, i did NOT attend " 50 % '' of this class.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report TransUnion which you have provided. XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes. XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I applied for a U.S. Bank Business checking account that had a {$400.00} promotional offer for opening & transferring X amount of $ into the acc, and leaving it until the XXXX day from opening. The very next day on XX/XX/XXXX I recieved a welcome email, saying my account was opened, and to add funds to it. I managed to bring my balance over the {$5000.00} needed to earn the bonus by XX/XX/XXXX, and I left the balance over XXXX until XX/XX/XXXX, which was the XXXX day from opening. I withdrew most of the funds, and still used the account as normal. I never recieved the promotional money that was offered, so I called US Bank. They informed me my account was " Opened '' on XX/XX/XXXX, not the XXXX so I wouldn't qualify for the bonus. I said no that is incorrect, I have the email from the XXXX, and even setup my online profile on the XXXX. The rep pretty much said I was out of luck. I have screenshots & Emails.
Product: Mortgage

On XX/XX/2018 i filed a chapter XXXX bankruptcy in federal court. # XXXX XXXX. This bankruptcy was filed because i was threatened by the mortgage servicer and threatened with foreclosure. 
My home met qualifications for federal & state exemptions. My missed payments and fees were listed in my schedules. The mortgage servicer & underwriter did not object to the discharge. The mortgage servicer is still threatening me with foreclosure using the debt that was discharged. 
Please help. I ama victim. I am didcriminated against & violated by this servicer. 
XXXX XXXX XXXX XXXX XXXX IL. XXXX XXXX XXXX IL I am XXXX, XXXX and my source of income is unearned XXXX with XXXX XXXX
Product: Debt collection

XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  XXXX XXXX proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I always check my credit report in the morning and I noticed that some inaccurate accounts were there. I don't know why it is on my report so please check the documents I've sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX XXXX, XXXX XXXXXXXX acct # 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$54000.00} XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$56000.00}
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXX/XX/XXXX
Product: Credit card

I saw on my credit card via computer login on XX/XX/year> that there was a charge for XXXX charged to my card from a XXXX XXXX purchase that I did not make. I called Chase and reported that there was a fraudulent charge on my card. The person looked at it and stated they would close my card out and issue me a new one and take the charge off which they did. Now today two months and 5 days after the issue I received a call from the fraud department stating they are reopening the case against me. I informed them again that I did not make the purchase and I had called XXXX right after it happened and XXXX told me the items were shipped to XXXX XXXX XXXX XXXX XXXX XXXX The person at XXXX said the package had not been delivered yet and they were going to stop the delivery. That was the last I heard until today. I asked for a supervisor and he told me they were going to charge me for the purchase and he did not seem to care that I did not make the purchase and that I called XXXX. Now tonight I see they have put the charge back on my card for the XXXX. I got nowhere talking to the man about this. I am at a loss as to what to do but I did not make the purchase and I believe from what I read they have to prove I made the purchase and they are not doing that.
Product: Debt collection

Several months ago I sent a written cease and desist letter to regarding a XXXX   XXXX/XXXX XXXX account to not be contacting me via telephone at any number pursuant to the FDCPA.  That letter was received and responded to that stated they would cease and desist telephonic communications.  Today, on XX/XX/2019, I received a collections call from Global Credit and Collection Corp. in violation of the request to not be contacted via telephone.
Product: Credit reporting or other personal consumer reports

I've disputed this account through the credit reporting agencies several times and it is still showing on my report after all this time. Now I am requesting that this item be removed from my credit report immediately because this is also a violation of my privacy rights and unconsented sharing of my personal information. I'm also pursuing financial compensation of {$5000.00} because of the many FCRA violations and the years I have been attempting to get this item removed from my account.
Product: Credit reporting 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. 

List of Unauthorized Inquiries : XXXXXXXX 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 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 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: Mortgage

I was with Bank of America for my mortgage. I was in a forebearance plan that ended XX/XX/2021 and I made my first payment on XX/XX/2021. I was then told I missed the deadline on the forbearance. I never received a phone call or letter stating that deadline. I worked with a woman at the bank who assured me she was putting me in a XXXX XXXX flex modification because of the bank error. She instructed me to decline any repayment option the bank offered so I could get this modification. She had her manager opt me out of them .XXXX  XXXX they notify me that my loan is being sent to a new servicer XXXX XXXX XXXX. 
This new servicer only sees that I opted out of the offers and refused to work with me on any other options to keep my home. Bank of America dropped the ball and now I'm at risk of foreclosure because of it. They should be responsible to complete what was started before the transfer or delayed the transfer until my loan situation was resolved. This had caused me extreme hardship.
Product: Checking or savings account

On XX/XX/XXXX, there was an unauthorized charge of {$13.00}. My account went negative then followed by an overdraft fee of {$34.00} from Citibank. I contacted the merchant about the charge, and they refunded me due to their mistake. I called Citibank to dispute the overdraft fee and they refused to approve my request. I explained the situation based on the nature of unauthorized transaction. They did not care at all. They suggested to contact the merchant to reimburse the fee because it was their fault. I'm out of words.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial company, The company reported me to the credit Bureau for Delinquent over 30 days missing payment. In fact that is not true I do have all the valid information on record from the company stated that no payment required for the month I was reported as missing payment. I have had contacted the company to address the issue with them, they didn't professionally handle the matter in the right ethical business manner.

I do have all the calls recorded every day, and still did not reach someone that can help me to correct the issue. I'm reporting this company for the bad business practices and the Ethics.

All supporting documents are available upon request. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Accuracy Requirement " Under the FCRA, 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in their reporting. This account contains inaccurate or unverifiable information and must be corrected or removed. '' PLEASE PROVIDE MY SIGNATURES FOR EACH COMPANIES. If each of these companies can not please have them to remove immediately. 

XXXX XXXX ( XXXX ) XX/XX/year>XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX ( Auto ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX ( XXXX ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX ( XXXX ) XX/XX/year> Dispute and Reinvestigation " Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), I am disputing this account. I request that the credit reporting agency conduct a reasonable reinvestigation to verify the accuracy of this information or delete it if it can not be verified within 30 days. ''
Product: Credit reporting

There is a hard inquiry are on my files from the XXXX cable in XXXX XXXX XXXX I went to return there equipment like a box for the cable on XXXX/XXXX/2016 That is why I 'm writing to you guys any way can remove because I did n't apply for a cable I was going to return there cable but they pull my credit for it ...
Product: Student loan

Navient says they do not allow income based repayment on my signature student loans however signature student loans, thought private, are backed by the federal government. Loans backed by the federal government are supposed to be eligible for IBR. Why is it that I am not allowed to take advantage of this benefit with my private but federally backed loans?
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. 

Account Name XXXX  XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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: Payday loan, title loan, or personal loan

XX/XX/XXXX I called for the 3rd time to see if someone would actually be able to help me this time around. My account has been opened since 2018. I am going on 2 years paying this loan in the amount of {$180.00} biweekly. Mind you this loan has a {$12.00} DAILY interest rate. So {$160.00} goes to interest and the remaining {$21.00} goes to my principle. I have made every payment. But now with all of this covid-19 going on my source of income is laying off a lot of people. This is my last week being employed. I called and advised them if there is a way they can work something out with me. I even offered to pay {$1700.00} that's more than half of the loan so it can finally be closed. But no they weren't able to help me with this. After 2 years of paying this loan I am sure I have paid the borrowed amount and a bunch of the interest.
Product: Checking or savings account

I have multiple charges I have made complaints on from the very beginning there were multiple charges from XXXX XXXX and airline charges. I was in another state when all these charges started money was taken out of my account and I didnt even have access to my card. I made multiple complaints some charges are out of this country they still have not credited me they sent me a letter stating that they credited me but I still yet have been waiting for the money back. I would like my charges to be investigated since my identification has been abused requests for loans are under my name I already payed one off I do not have the money to repay everything these criminals have done with my finances.
Product: Payday loan, title loan, personal loan, or advance loan

needed {$1000.00} for rent by next day or get evicted. was going try to pay in full before XXXX payment is due on XX/XX/year>, this seems unlikely. 
Thought they first mentioned an rate of XXXX percent but the rate in the papers they emailed is the XXXX percent. 
As we needed the cash ASAP, we agreed to the {$1300.00} finance charge to be paid over XXXX months at the rate of {$460.00} per month.
Product: Mortgage

After getting a response from LoanCare where they offered a solution to this issue, I attempted to call the individual in charge of this inquiry, XXXX XXXX XXXX. She listed her number and extension as ( XXXX ) XXXX ext XXXX. This extension, according to the automated phone service they use, is not a valid number. In effect, LoanCare is impossible to reach. 

Furthermore, XXXX XXXX never addressed the two letters I received from LoanCare, where they admitted to having received the partial payments I made, and they clearly stated they would bring my account current. 

I went ahead and made a double payment in XX/XX/XXXX of this year in an attempt to bring my account current, but because the partial payments were not applied to my account in the appropriate manner, LoanCare did not consider this amount to be sufficient. 

LoanCare asked for {$270.00} in XX/XX/2018 to bring my account current, as this would be used in conjunction with the partial payments of {$650.00}. and the unapplied funds of {$490.00}. As it stands, the {$490.00} LoanCare had listed is unaccounted for in the payment history supplied by LoanCare. 

I have mailed through priority mail the {$340.00} LoanCare requested to bring my account current. I am putting this piece of information here to document what I have done, in the instance that these funds are also not applied. To reiterate, if these funds are not applied properly and are not used to bring my account current, this would be the second time money paid to LoanCare has gone unaccounted for.