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

I got a car loan through credit acceptance in XXXX of XXXX. My payment has never been late. I made sure to make my payments on time every month. I struggled during the COVID-19 pandemic to pay my bills but still managed to make sure my car note was paid on time. It all became too much in XXXX of XXXX  and I just could not make ends meet. I called credit acceptance and explained to them that I would be unable to make my XXXX payment. Trying to be proactive and looking for some sort of resolution, I explained to them that my financial situation was strained because of the global pandemic, that I was no longer employed and struggling to pay my bills and maintain a household as a single mother of XXXX. I did exactly what it is posted on their website to do, which is give them a call as soon as possible if there is an issue making a payment. I asked for some sort of grace with the company because of the state that we were in in the world and because of my outstanding payment history to that point. I was told that there was nothing that they could do to help me other than note my account of the conversation. They reported my account as late with the credit bureaus, which has negatively affected my credit score and payment history. This has caused a tremendous amount of stress, pain and grief to an already traumatic situation. I find it absolutely devastating and appalling that company 's can be this heartless and ruthless to the consumers that keep them in business, especially at a time like this. There should be some sort of relief or program offered to help customers. My payments were on time before and have been made on time since. Credit acceptance is taking advantage of their consumers and are only in business to help themselves, not the customers! They should not be able to hurt or affect peoples ' lives this way, especially now, during a pandemic! Something needs to be done!
Product: Student loan

XX/XX/XXXX i was involved in a XXXX and sustained significant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXXXXXX during this time from mid XXXX to XXXX. In XXXX I notified Navient of my accident and inquired about deferment for partially XXXX customers. They stated nothing was available. They said to try next mont next couple months for discounts or deferment. Nothing was ever made available. Ive tried 2 seperate times to do income review assessments to lower the monthly cost. This is because I was not working from XXXX to XX/XX/XXXX. Currently I am on a restrictive light duty working part time. I still find difficulty making payments with my current monthly income significantly lower than last year.
Product: Debt collection

HELLO, MY NAME IS MS.XXXX  XXXX XXXX AND I WAS REFERRED TO YOUR OFFICE TODAY BY MY DEAR AND VERY GOOD FRIENDS FROM THE UNITED STATES SENATOR 'S  OFFICE.MR.XXXX  XXXX 'S OFFICE.THIS COMPANY CONSTANTLY KEEP HARRASSING ME AND THREATENING ME WITH A LAWSUIT AND THEY ARE INTENTIONALLY RUINING MY CREDIT.THESE MEDICAL BILLS WERE TAKEN OUT ON XX/XX/2016 IN XXXX XXXX.AND I MOVED TO XXXX , XXXX.IN XX/XX/2016 WHICH I'AM STILL LIVING IN XXXX XXXX.I HAVE TRIED TO  TALK WITH THESE PEOPLE TO LET THEM KNOW THAT THIS IS NOT MY ACCOUNT I WASN'T LIVING IN XXXX  IN XX/XX/2016 I WAS LIVING IN XXXX, XXXX.AND THEY REFUSE TO REMOVE IT FROM MY CREDIT REPORT NOW MY CREDIT IS DAMAGED SEVERELY BECAUSE IT.I'AM IN THE PROCESS OF TRYING TO PURCHASE MY FIRST NEW HOME AND CAR AND ALSO I'AM NOW A VICTIM IF THE XXXX  DATA BREACH AS WELL.I'AM STUDYING TO BE A XXXX XXXX AND THIS IS DESTROYED MY CREDIBILITY.THE NAME OF THE COMPANY IS/TSI XXXX/ {$980.00} WHICH I DEFINITELY DON'T OWE THAT'S NOW IN COLLECTIONS THEIR ADDRESS AND PHONE NUMBER IS/XXXX XXXX, DELAWARE XXXX/XXXX.PLEASE HELP ME TO GET MY CREDIT SCORES UP SO I CAN PURCHASE MY DREAM HOME AND VEHICLE.THANKYOU AND GODBLESS YOU ALWAYS.SINCERELY, MS.XXXX XXXX.
Product: Credit card

Capital One product : XXXX secured credit card. To open account Capital One requires Security Deposit in the US dollars. Account balance will be the same as amount of Security Deposit. Formula Capital One uses to calculate Interest which is Variable 29,99 % Interest = prime rate + margin. In the terms written that in the event of the default creditor will use Security Deposit to cover risk. Security Deposit insured by FDIC. My question is how Capital One uses Security Deposit when calculating Interest for the Secured credit cards?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX Balance {$0.00}.
Product: Credit card or prepaid card

On XX/XX/2019 I have received a voicemail from Citibank that there is suspicious activity on my credit card. After checking the charges, I discovered there were numerous unauthorized charges starting with XX/XX/XXXX. I immediately called back Citibank to dispute the charges and to lock my card. I was assured to not to worry that there will be an investigation. On XX/XX/XXXX of XX/XX/2019I have received a phone call from Citibank that notified me that they will not dispute the charges and that I am responsible to pay for them. They do not want to dispute them because they charges were made using a chip. After this I decided to notify the police and have asked Citibank to provide me with a breakdown of which transactions were made using a chip and the time and place of each purchase, they had never fulfilled that request. When I went to file the police report I advised the police the reason I waited so long was because I wanted to provide them with a breakdown of everything to investigate but after numerous calls and pleads Citibank did not provide this information. Citibank kept on blaming it on anther department and after speaking to a supervisor they advised me that this information is unavailable to be shared with me. I have pleaded with Citibank again, but they keep on coming to the same conclusion. I had money stolen from my account at a Citibank location from their ATM and at that time somehow the issue was resolved, and the chip was duplicated. They do not want to acknowledge that at this instance it was possible. This was a separate matter and was resolved as I describe it in my letter to Citibank. Please help me resolve this dispute. I am a single mother, and this is a lot of money to me. I can provide a lot to my daughter with this money and instead of I need to pay it back with interest. I do not want to be harassed by collection agencies if I stop paying. Citibank threatened me I must pay them as stated in their response letter. I believe they do not respect me as their customer and did not perform their investigation to the best of their capability. Please help me. Attached is my recent correspondence with Citibank and the police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent NATIONAL CREDIT ADJUSTERS LLC A CEASE AND DESIST LETTER regarding two accounts. To date, the company is still reporting this account as open and in collections to the credit bureaus, please see attached documents..
Product: Credit reporting or other personal consumer reports

I have been disputing for 3 months and this company has broken several FCRA violations. This company has sent STALL LETTER AFTER STALL LETTER! Instead of addressing the actual problem which is another FCRA violation. I will be filing an additional compliant with the XXXX and AG! 

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.

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.

I believe I am owed monetary damages for the emotional distress this has caused. I have been getting denied left and right because of this companies FAILURE TO DO THEIR JOBS! 

XXXX XXXX XXXX XXXX IS THE ACCOUNT I AM REFERENCING
Product: Credit reporting or other personal consumer reports

This company has violated my right to privacy and has unlawfully reported inaccurate information to the credit reporting agencies. When a creditor forgives or writes off a debt of {$600.00} or more, they are required to report this amount to the IRS using Form 1099-C ( Cancellation of Debt ), and they must also provide a copy of this form to the debtor. The debtor is then required to include this amount as income when filing their tax return.

26 U.S.C. 61 ( a ) : This section defines " gross income '' as " all income from whatever source derived, '' which includes income from the discharge of indebtedness ( i.e., when a debt is forgiven or canceled. Income can not be reported on a credit report.

o Section 602 ( a ) of the FCRA ( 15 U.S.C. 1681 ) prohibits furnishing inaccurate information to consumer reporting agencies o Section 604 ( a ) of the FCRA ( 15 U.S.C. 1681b ) states that a consumer reporting agency can not furnish information about an account without the consumers written instructions o According to 15 U.S.C. 1692c, a debt collector may not communicate with any person other than the consumer ( or their attorney ) regarding a debt without prior consent from the consumer or express permission from a court o Under 15 U.S.C. 1692g ( b ), if a consumer disputes a debt in writing within 30 days of the initial communication, the debt collector must cease all collection activities until they obtain verification of the debt and provide it to the consumer.

This company refuses to validate any information requested. I recently reported this company they responded informing me that they sold my information to another company. Therefore I am demanding that Immediate Deletion of this account from all consumer reporting agencies and Cessation of Any Negative Reporting related to this account, including the removal of any adverse information that has been reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three ( 3 ) student loans ( Navient ) that appear on my credit report with all three Bureaus, XXXX, XXXX, and XXXX. This has been reported on my credit report since XXXX that 's 23 years. Navient was originally XXXX XXXX. When I disputed this for the 1st time XXXX XXXX was removed and Navient was not. I received a notice in XX/XX/XXXXof the split between XXXX XXXX and Navient. We filed Bankruptcy Chapter XXXX and XXXX XXXXNavient was reported as creditors. Now that we are out of Bankruptcy and  the Bankruptcy has been removed from our credit report at all three bureaus Navient remains.I need help in getting this removed from my credit report at all three bureaus.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I recently paid off this alleged account in full for {$420.00}. I never got written notice of this debt ; In addition, there are numerous inaccuracies on my credit reports : XXXX shows a high balance of {$2400.00}, whileXXXX shows a high balance of {$2800.00}, however the limits are showing {$1000.00}.
Product: Bank account or service

I had tried to open an account online and my initial deposit did not hit the account. I then received a letter saying my account would be closed because my initial deposit was not made, instead of closing the account they left the account open and kept charging me fees.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX, XXXX, and Transunion to obtain updated and accurate credit scores. I have the apps for each credit bureau and pay a monthly service but have shown no improvement on my scores. I spoke to XXXX on XXXX and inquired as to why I am unable to retrieve a current credit report. The last report was dated XX/XX/2021 and when I request an update report, I receive an error message that a report can not be provided at this time. To provide an updated report with credit scores.
Product: Credit card or prepaid card

Avant card has violated the federal Equal Credit Opportunity Act by discriminating against me and not opening up in a credit card and providing an adverse notice stating why furthermore I have not been able to dispute the decision by the credit card company not being able to dispute the decision by the credit card company is financial discrimination
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion for repeatedly reporting an account on my credit report that is not mine and failing to resolve the issue despite multiple disputes. 

Background : 1. Disputed Account Details : Account Name : XXXX XXXX XXXX XXXX Account Number : Not listed on report 2. Over the past year I have disputed this account multiple times with TransUnion. Each time, the account is removed temporarily, only to reappear after a few months.

3. I have contacted the company associated with this account, and they have confirmed that they do not have a record of me in their system. Despite this, TransUnion continues to report the account as accurate and verified.

Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Properly Investigate : TransUnion has failed to conduct a thorough investigation into my disputes.

Reinsertion Without Notification : TransUnion has reinserted the account without proper notification, violating FCRA guidelines.

Steps Taken : 1. I have filed disputes with TransUnion, and the account was initially removed but later reappeared.

2. I have obtained a statement from the original creditor confirming they have no record of me.

3. I have requested the method of verification from TransUnion, but they have not provided satisfactory evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 07 XXXX XXXX, 08 XXXX XXXX  XXXX, 10 XXXX XXXX, 11 XXXX XXXX XXXX, XXXX XXXX   XXXX, 11 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 Company Inquiries : 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 card

On XXXX XXXX, XXXX, I purchased XXXX First Class, round trip tickets from XXXX to XXXX on XXXX using the Capital One Rewards Travel website. The tickets were purchased as a birthday present for my wife, but our entire trip was ruined by Capital One 's fraudulent activity. 

On Saturday, XXXX XXXX, XXXX, the day we were supposed to depart for XXXX ( after flying all the way across the country from XXXX XXXX to XXXX ), I tried to check into our flight. Once I reached the seat selection screen on XXXX 's website, I was only given the option to select Premium Economy seats notwithstanding the fact that I clearly purchased First Class tickets as evidenced by the attached reservations from the Capital One Reward Travel website. I immediately called XXXX to ask why I could not check into First Class, and they said the tickets in their reservation system showed up as Premium Economy, not First Class. The XXXX agent said I would need to discuss the discrepancy with whomever I purchased the tickets from. 

I immediately called the Capital One phone number listed on my reservation receipt and spoke with XXXX XXXX, Agent Sign XXXX in XXXX, PA. I explained the problem and asked that she put us in First Class on the flight we were booked on, or the other direct XXXX flight scheduled earlier that same day. After spending over an hour on the phone, XXXX told me that despite my reservations clearly stating that I purchased First Class tickets, there must have been a computer error and she could not do anything for me. I then asked to speak with a supervisor, and she refused. XXXX then proceeded to tell me that my only choices were to accept a refund or pay to upgrade my tickets from Premium Economy to First Class!
Product: Mortgage

I get paid twice a month. I paid my mortgage two months ahead and then began sending 1/2 of my monthly mortgage in every time I got paid. My Mortgage company will not post the partial payment until a full payment is received. This practice allows my money to benefit them and does not effectively reduce the principal and subsequently lower the interest I have to pay. Their practice also does not allow me to pay my loan off sooner than 30 years, due to their posting practice. I called and asked why and was told if I would sign up for Budget drafting I would benefit and my payments would be posted upon receipt. I mistakenly believed the auto drafted payments would be posted upon receipt but they are again waiting for a full payment to be received before they post it even though I am ahead of my scheduled due date by several months. 

My Bank is not allowed to do this so why is a mortgage company allowed to? This is unfair and to me and ( in my opinion ) is deceptive. I called again today ( XX/XX/2017 ) to see if I could remedy the posting issue and was told they were allowed to post it that way because I had signed up for budget billing. I told them the ONLY reason I signed up was because they told me that I HAD to if I wanted my payments posted upon receipt. This is a very bad practice and it is deceptive. The payment history also shows " payment applied '' however the payment is placed in my " syspense account '' until the next auto debit is taken ... this is misleading and a false statement. I am a single, mature ( XXXX ), XXXX female and wonder if a man would be treated the same way? They dismiss my concerns as unimportant and still wo n't give me the courtsey of a return call on the process and acknowledge that by holding my payment and not applying it when received cost me additional interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXXXXXX Balance : {$660.00} ; XXXX 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 If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. 
The accounts are as follows XXXX  XXXX Balance {$500.00} XXXX XXXX XXXX Balance {$45.00} XXXX  XXXX Balance {$530.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX Balance {$1900.00} Hard inquires XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

While I was reviewing my most recent credit report, I noticed several inaccuracies on one of the reported accounts. This account is hurting my ability to rent a decent apartment for me and my family. Its my understanding that the credit bureaus will investigate this account on my behalf to ensure that it is accurate. Here is the account I am asking you to verify for accuracy XXXX XXXX XXXX XXXX XXXX  I appreciate your attention to this matter.
Product: Mortgage

My mortgage is with XXXX XXXX XXXX I received the attached letter that, at first glance, appears to be from them. In one spot, in very small print, it references XXXX XXXX XXXX. This is very misleading. I did not call the number, but wanted to express concern that someone could call thinking it was from their lender and not XXXX XXXX XXXX