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

I began XXXX XXXX with the military in XXXX XXXX XXXX ( XXXX ) in XX/XX/year>. Shortly after starting my service, I contacted my bank and submitted the necessary documents to request a

reduction in my auto loan interest rate from 12 % to 6 %, as per my rights under the Servicemembers Civil Relief Act ( SCRA ). After three months, I checked my account and discovered that my request had not been processed, and my interest rate remained at 12 %. I asked my brother to contact the bank on my behalf and submit any additional documents they required. Despite our efforts, the bank still did not adjust my interest rate.

After completing six months of service, I faced a personal issue that required me to separate from the XXXX. Upon returning home, I found that my loan 's interest rate was still at 12 %. I called the bank again to complain, but no action was taken to resolve the issue.

Frustrated and financially strained, I decided to stop making payments on the loan. In response, the bank repossessed my vehicle. Even after this, I provided them with all the documentation
they requested to demonstrate my XXXX XXXX, but they claimed it was insufficient.

This situation has caused significant hardship, and I am seeking assistance in resolving it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I access my free annual credit report from all agencies using the designated site since its inception. For the last few years, at least, I have not been able to access the report from TransUnion online and always have to request a paper copy. This adds an unnecessary delay when trying to mitigate fraudulent activity associated with my social security number. Considering there have been prominent major security breaches at retail, tech companies, and the government, the issue of instantaneous access is more important. 

Recently, I was notified that there was a workers compensation claim submitted on my behalf. I have not seen a reduction in hours, been laid off, or terminated due to the pandemic so this issue is concerning. I have notified my employer and state officials. However, when trying to access resources to determine the scope of potential threat I can not access my credit details online from TransUnion. I have called and was instructed to request the paper copy, which I did, but again when things happen at the speed of technology using paper and the mail greatly reduces the ability to get ahead of the problem. The steps the annual credit reporting site uses to verify my identity for TransUnion do not work. Trying to resolve the issue online requires a XXXX or XXXX account and their contact us page offers little to no help - it is like going down the rabbit hole. No ability that I found to get instant help to fix my account to work better with the annual credit report site. I appreciate the extra security but there appears to be a flaw in their system that wants users to request the paper copy and when time is of the essence they are no help.
Product: Debt collection

On XX/XX/2020 I settled and paid in full amount owed {$370.00}. One day after I paid them they submitted the difference, {$100.00}, for collection agency. This is illegal, dishonest and created unnecessary actions and time to fix their intentional malicious action.
Product: Debt collection

I am writing to address a concerning matter regarding my credit report. Upon reviewing my recent credit report, I noticed that there is a late payment recorded on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, LAURORE SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; LIBCAREERFIN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX
Product: Vehicle loan or lease

Chase not working with us on the vehicle loan. We had fallen behind due to XXXX XXXX  and slow receivables. I had a serious setback due to an inpatient XXXX XXXX crisis. My wife and I both are currently under doctor 's care. Chase had told me if I catch up a few payments I was eligible for an " extension '' on the loan. Then after I made the payments, Chase denied the " extension '' in XXXX of 2018. So they lied to me. They are the only creditor who refuses to work with me on a repayment plan or payment arrangement. When I call them, all they do is bully me and scold me. A supervisor was apathetic to my XXXX XXXX problems, and told me how many times the account had fallen behind, as if my XXXX XXXX problems are not real and just go away when you want them to. This is commonly known as " XXXX XXXX XXXX '', whereby an individual will have sympathy for a XXXX or XXXX patient, but apathy towards someone with a XXXX XXXX issue. I am sure I am not the only borrower they have ever had who fell behind due to illness. I have made payments in good faith when I can, and the account is really not in " serious delinquency '', averaging only about 30 days past due. I may have an opportunity to borrow some money soon to get it caught up, and I have told them that. If they would just work with me and be patient they will get their money. However, they just continue to threaten how they are going to " repo '' the vehicle, which makes no sense, as they will end up with the loss. If this continues, they will leave me no choice other than to seek relief under the US Bankruptcy Code.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and the email on my square page is XXXX On XX/XX/XXXX, A customer came to get an item from me at home which required an invoice, so I used square Inc to issue invoice, customer received the invoice and paid {$950.00} each for XXXX items a total of {$4700.00}, and immediately square  XXXX  charged me {$140.00} for the transaction leaving me with {$4600.00}, and they deactivated my account with the balance in it, saying I wont get the {$4600.00} till XX/XX/XXXX, I immediately contacted my customer and he called his bank and they reveled theyve successfully posted the total amount of {$4700.00}, customer sent me prove which Ill attach to this case, I dont bank with square I only used them for invoice and I was charged {$140.00} for using the service, I cant be out of business till XX/XX/XXXX, I have a good relationship with my customer and theres no charge back or dispute, so I want my money transferred to my link account ending with {$1600.00}
Product: Credit card

A statement was received from Capitol One and paid in full as per the statement amount. 
The following month I received an additional interest charge when I paid in full the balance on the last statement prior to the due date. 
Capitol One said they charge interest even when the balance is paid in full as it is revolving. I paid the full balance per the statement prior to the billing cycle due date, therefore no further interest charges can be incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an XXXX XXXX, Acct # XXXX customer since XXXX and during that time, I have enjoyed my experience with XXXX XXXX  greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a one 30 day late payment on the above referenced accounts that date back to XXXX. Since that time I have been an exceptional customer paying early every month and have been rewarded by XXXX XXXX with ever increasing limits and lower APRs. 

Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payment from my credit report. At the time of that late payment, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX  is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX   XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest. I look forward to your reply.
Product: Bank account or service

I opened several CD 's of varying lengths with USAA Federal Savings Bank. 
I was told that if I had to close them early, I would have a penalty. I asked how much the penalty was and was told that it depended on the length of the term of the CD. 
But in no case would the penalty exceed the amount of interest accrued on the CD. 
I called today to close the CDs, and was told that the penalty would be over {$5000.00} on an account opened less than five months ago. I told them this is not what I was told but they refused to waive the fee even though they acknowledged the representative gave me incorrect information. 

Ive been a customer of USAA for over 33 years, I would not have placed the amount in an account for a long term had I known that the penalty would include principle. 

I can understand charging a penalty for the interest accrued but not for the principle balance of the CD. Especially when they admit the representative gave me incorrect information. 



I have spoken to several people at the bank and they acknowledge that the represenative
Product: Debt collection

On XX/XX/XXXX I received a Collection Notice from XXXX XXXX XXXX ( " XXXX '' ) alleging I owe {$32.00}. On XX/XX/XXXX I responded to XXXX via USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) by sending a Debt Validation Letter. XXXX never responded to my letter ( USPS confirms delivery ). The validation letter disputed the in writing ; the amount of the debt, the creditor to whom the debt is owed, a statement disputing the validity of the entire debt, and a request for the name and address of the original creditor. XXXX failed to respond to the validation request. Now, one year later, XXXX XXXX ( " XXXX '' ) is attempting to collect on the same debt XXXX attempted to collect on. However, XXXX   is estopped from collecting on the debt because the debt was never validated by XXXX. Therefore, XXXX is unable to sell, convey or transfer " collectable '' debt when XXXX failed to validate the debt pursuant to a Debt Validation request under the Fair Debt Collection Practices Act. In an abundance of caution I have sent via USPS certified mail a Debt Validation letter to XXXX. XXXX is collecting on an uncollectible debt- conveyed to XXXX by a company with knowledge the debt is uncollectible and unvalidated. The shell game played by XXXX and XXXX continues to cost me time and postage. Please put a stop to this egregious abuse of the FDCPA. Moreover, I disputed this alleged debt with the original creditor and received no response. The alleged debt was first disputed with the original creditor, again disputed with a debt collector, XXXX, and now a third time with another debt collector, XXXX.
Product: Checking or savings account

My account was closed XX/XX/2022 with no explanation of there is no way of contacting chime bank I had a checking account with funds in it a savings account with funds in it also a credit line with funds in it in attempt to get my account open again or funds released they dont respond to emails or Answer questions Ive allowed the 14 days to pass but I still have not gotten an answer despite numerous emails
Product: Debt collection

I have requested many times not only verbally but in writing not to contact me at work and Navient continues to do so. Now not only are they calling random numbers here at the XXXX XXXX where I work they are telling people they are a debt collector and they need to speak with me. Now they are contacting family members that I never put down as a reference who have nothing to do with my finances. And this week I am getting messages from people that I am XXXX friends with that only know me on social media and they are saying that they received messages from Navient trying to contact me. Enough is Enough! Isn't this illegal? How do they have the power to go into someone's family and social media and contact people to make me look bad. Please stop this!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX 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 of 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 recently tried to rent an apartment and got declined due to someone using my name and information! The following accounts are fraudulent : 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. I have filed a report with the XXXX Police Dept and a complaint with the CFPB.
Product: Debt collection

XXXX  XXXX is reporting that my account is closed and is charged off on my consumer report but is still messaging me to pay that amount thats old to bring my account for present
Product: Checking or savings account

Sent to Consumer Finance on XXXX at XXXX XXXX  : ANOTHER THEFT OMITTED WITHDRAWAL : XXXX at about XXXX XXXX  Amount : {$3.00} OTHER THEFTS : XXXX XXXX United States of America XXXX : XXXX XXXX XXXX XXXX XXXX : Citibank Citibank admitted to omitting transactions out of my account in the amount of : $ XXXX ; $ XXXX and XXXX -- -- Representative XXXX never returned call as expected to discuss the THEFT or issue refund on XXXX. 

Conversation Details : Theft is by creating duplicate for purchases to hide omissions and Citibank will tell the client " I do not see the transaction! '' Blind transactions -- -- money taken out via a loophole affecting audit yield. 

Representative XXXX is conducting 'research ' on my Citibank account as per his statement today XXXX ; XXXX stated that he will call me during his night shift : Advisor : XXXX XXXX Citibank ID : XXXX ) at about XXXX XXXX  today XXXX ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. DEPTEDXXXX   XXXX {$6000.00} DEPTEDXXXX XXXX {$3000.00} DEPTEDXXXX XXXX {$6000.00} XXXX XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DEPTEDXXXX  XXXX {$2200.00} XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX, I sent XXXX Bitcoins from my XXXX wallet to my XXXX wallet, with the intention of exchanging it for XXXX. The transaction showed as pending on my XXXX wallet more than a week. On their website, it was mentioned that even with high traffic o the network, the transaction should n't take more than XXXX hour. What 's worse, after awhile, the whole transaction disappeared from my XXXX wallet! It 's as if it had never happened! However, after checking the transaction hash with XXXX XXXX, it showed that the transaction had went through. 
I contacted support while my transaction was pending on XXXX XXXX XXXX. After not having gotten any replies from them, I tried several other avenues such as XXXX forum, emailing a direct person, opening support tickets on their website, all to no avail. 
More than a month later, I got a reply from support, from a person named XXXX XXXX After a few messages, XXXX conceded that he needed to work with a 'specialist ' to resolve my issue. That was XXXX XXXX XXXX. I have since contacted XXXX but there has been no response. 
I have researched their company online after this incident and it appears that I am not the only one. It appears to me as if they have taken that money for their own. A cryptocurrency exchange should n't take so long and they should return the money back to their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the credit reporting act XXXX  Account # s Has violated my rights account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. XXXX  XXXX XXXX 2XXXX XXXX  XXXX  3XXXX XXXX  XXXX  4. XXXX  XXXX  XXXX 5.XXXX  XXXX  6XXXX XXXX 7.XXXX XXXX  XXXX  8XXXX XXXX  XXXX 9XXXX 10XXXX XXXX 11XXXX XXXX 12XXXX 13XXXX XXXX  XXXX 14XXXX XXXX 15. XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My Auto loan for my financed XXXX XXXX XXXX XXXX was sold outright and was paid in full on XX/XX/XXXX, and a paid-in-full letter was obtained by the lienholder ( XXXX ) on XX/XX/XXXX XXXX evidence the payoff on this account. 

Currently, this account is still showing a balance on my credit reports from XXXX, Transunion and XXXX. This is in violation of the Federal Credit Reporting Act, because the information reported by all three bureaus is misleading by perception, supported by 15 U.S.C. 1681. 

Email address : XXXX Mailing address : XXXX XXXX  XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be removed from my file. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated and deleted immediately. 
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

showing that thois account was In Collections/Charge-off. That was never the case i've talk to the a few times on the phone and they said it shouldn't be reporting and it will be fixed but it never was.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX Account Number : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX TransUnion XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX, ACCOUNT # XXXX XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 2 ALSO SRATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH MY ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX which is a company extending offering of credit has violated my constitutional rights under 15 U.S.C. 1681. I have submitted disputes multiple times to the Credit Bureaus and to XXXX XXXX due to the improper reporting of credit and inaccuracies of my credit report. 

Account with XXXX was closed on XX/XX/year> after notifying XXXX to effectively shut the account down. XXXX notified XXXX that the account was closed on the above date. XXXX failed to notify the other Credit bureaus of the account being closed and has multiple credit inaccuracies that they have failed to address effectively violating my rights. 

XXXX shows XXXX as being currently open and active and has an update on XX/XX/year>. XXXX shows all payments have been made on time without issue. XXXX shows that a payment made for XXXX of XXXX was not made and has no payment history. 

Due to the consistent credit inaccuracies this has affected my ability to obtain credit and has violated 15 USC and my constitutional rights. Multiple discrepancies are located on Equifax as well proving that XXXX has failed to follow 15 USC and properly report credit to protect consumers.
Product: Checking or savings account

When I tried making a payment, or send money through Zelle they never told me that there was a program I would send money and it would never go to the person but it would not go back to my account. I have tried to discuss this with my banking institution but no no avail.