23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent Ally a cease-and-desist letter to Ally on XXXX which they received on XXXX I told Ally via the cease-and-desist letter not to contact me at all which was listed in the cease-and-desist letter but they have completely ignored the cease and desist letter and has continued to contact me repeatedly
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DEPARTMENT OF EDUCATION xxxxxx XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX  xxxxx XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Vehicle loan or lease

XX/XX/2022 XXXX online XXXX XXXX attempt to payoff LATE CHARGE BALANCE as online show balance/see attached {$540.00} as its off and higher. I hit submit and nothing happened, no receipt after I have have paid online for SIX years always received a receipt. BY LAW when making payments online a RECEIPT should be received along with payment confirmation. I hit submit 3 times, still no confirmation or receipt via website and via email.XXXX Loan was paid off as I paid the balance {$1900.00}, in which is a total of {$40000.00}. See copy of my paid receipt via email back in XX/XX/2022. Due to the fact I did not receive confirmation nor, funds debited to my account with NISSAN at the XXXX hour, I decided to CHAT w/XXXX. She refused to provide a receipt. She stated they received payment but refused to provide a receipt. NISSAN IN VIOLATION. Nissan calls everyday about my owing one dollar zero cent recording, not only harassing me ever single day, when they call, I pick up, they hang up. REFUSE to ACCEPT FINAL PMT from late charges to Payoff loan, refuse to provide a receipt and CHARGE MY late fees on late charges! IN VIOLATION AGAIN. Nissan performed FOUR VIOLATIONS AND I DEMAND CLASS ACTION AGAINT THIS COMPANGY AND REIMBURSE ME THE FULL AMOUNT PAID, {$40000.00}. 
NOW CFPB, do I need to report you to XXXX as NISSAN IS IN VIOLATION REPEATEDLY and previous complaint you did absolutely nothing and continue to allow NISSAN to violate my rights.I WILL contact OCC, UDAP, UDAAP UNFAIR, DECEPTIVE, ABUSIVE ACTS & PRACTICES. Sounds like a law suit! You allowed XXXX XXXX to charge late charges on late fees..WOW! Intentionally to repo car for non payment of late charges. payment made, not posted or credited my account and showing past due. Nissan in VIOLATION. NISSAN interfered with my ability to effectively make a payment and populated website to not accept payment nor provide a receipt misleading to me as its 100 % unreasonable. Its bad enough the dealership misrepresented me into a warranty they I said NO to clearly as they added it to my contract another VIOLATION, no worries I will file complaint against XXXX XXXX  XXXX as Nissan was well aware of it. Their motto-MISLEAD CUSTOMERS. 
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Product: Debt collection

i received an update on my credit report and I now have a collection reporting from a company names MIDWEST Recovery. I have no knowledge of this company any why they are reporting on my credit file. I was never sent any documentation or a DV. I would dispute this debt because i have no knowledge of this company
Product: Debt collection

National credit systems sent a letter to me in the mail in XX/XX/2023 offering to pay my collection at a discounted rate. I called and paid the offer in full but was actually charged the full amount rather than the discounted offer. The discount was offered until XX/XX/2023 and the collection was paid on XX/XX/2023 well within the time frame they gave.
Product: Credit reporting or other personal consumer reports

please see attachment my name is XXXX XXXX XXXX XXXX XX/XX/1965 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ohio XXXX Hello, I am just responding back to your email. I understand that you have requested One copy of a government-issued identification card, such as a drivers license, state ID card, etc., displaying your current address, and One copy of a current utility bill, bank or insurance statement, etc.

Please also include the following identification information : Your full name, including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past two years but when you have a moment, could you please update my credit report since you have my bankruptcy petition? Thank you for your assistance on this matter.
Product: Credit reporting

I received a 30 and 60 day late notice on my credit that was reported by XXXX. I disputed with XXXX and Transunion but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized XXXX to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. XXXX took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... two years since I requested it to be closed. XXXX is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the 60 day notice. XXXX has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that XXXX could have provided a coutesy removal of late notices but did not contact them in time ... XXXX is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of XXXX but XXXX XXXX was unwilling to proect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.
Product: Checking or savings account

I feel I was discriminated against based on my color when I went into the US Bank location of XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

Order of Events ============== On XX/XX/XXXX I went inside to make an appointment to open a checking account. I spoke with one of the tellers in the front an she informed me she could make an appointment for me. So she took my id and asked me what time did I want the appointment for. I said XXXX on XX/XX/XXXX. I saw her typing something and after a min she said ok you are all set for tomorrow. So I left XX/XX/XXXX at XXXX I went in based on this information and sat down. After about 5 min of sitting I was called over to a smaller teller window and a different lady asked how can I help you? I informed her of my appointment and I wanted to open a checking account. She looked and said she saw no appointment ( I could sense an attitude ). But I was patient. While waiting in front of her another XXXX  younger lady came in asking for notary services from another teller. 
She then said to me can you go sit over at another desk and I will be right there. 
So I did what she asked. She then immediately went to handle the white customers notary and left me there waiting. ( Let me say again that new customer that came in was already dealing with another teller ). So after about 10 or 15 min of waiting she then came over to help me. 

After giving her my information she then told me after about 5 min of putting it in that she could not open an account for me because of information in XXXX. I said XXXX??? I have never had any issue opening a bank account and have been long standing members of XXXX  XXXX XXXX with both personal and business accounts. I also informed her since I had a XXXXXXXX XXXX a XXXX XXXX asked me did I want a XXXX XXXX  checking account the day prior and I went through with it with no issues. 

So I left and contacted XXXX immediately. As I suspected XXXX had absolutely nothing in my file except an inquiry or two. I also checked my credit score and it was well over XXXX. I then started to investigate US Bank and they seem to have a long history of discriminating against XXXX  customers with literal class action lawsuits against them presently. 

It was a 100 % humiliating experience for me. 

Reference XXXX XXXX XXXX XXXX
Product: Debt collection

I recently filed taxes like the rest of America and after this storm in XXXX XXXX SC needed the money desperately to make repairs on vehicles and my home. We'll my return never came and shortly after a received a letter from the IRS stating that my {$7000.00} return had been used to pay an offset. After looking into what they were talking about the offset they were speaking of was an AFFES ( ARMY AIR FORCE EXCHANGE SERVICES CREDIT CARD ) I separated from the XXXX XXXX almost XXXX  years ago and then it was XXXX. I have not heard from these people in that time and it is on my credit report. I am a XXXX veteran and my check isn't garnished because of this either. There is a XXXX  year statue of limitations with this type of thing with the government and this debt was sold to a private company which definitely does not have the authority to act. I did some digging and there has been a class action lawsuit against them for this exact thing in XXXX  see XXXX XXXX UNITED STATES AND ARMY AIR FORCE EXCHANGE SERVICES. This is effecting thousands of military  veterans and they are getting away with predatory practices targeting our military  and veterans with the approval of the government. Please look into this and refer me to a lawyer that may be able to help me get my money back so I may rebuild after this storm. 
My number is XXXX My email is XXXX XXXX
Product: Mortgage

Started refi process on XX/XX/2022 with Amerisave. Submitted documents required electronically. Paid {$420.00} Appraisal fee. 
Didn't hear from them on XX/XX/2022, this actually allowed me time to think they seemed shady. I currently have a fixed rate XXXX percent mortgage, and this one with Amerisave would be adjustable. 
I initially entered online I desired about $ XXXX cash out XXXX, and was offered $ XXXX by Amerisave. 
Not getting a warm and fuzzy, on the morning of XX/XX/2022, i emailed and requested cancellation of the entire process and a refund of my {$420.00}. They assured me a refund was forthcoming. I am not getting a reply from them now. 
No appraisal was performed pr scheduled from XX/XX/2022 to the time I requested to cancel my application on XX/XX/2022. 
I want a refund of the XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Sincerely
Product: Debt collection

I have filled out all the paper and sent to this company, saying identity theft has occured. 
there saying I owe XXXX for a XXXX XXXX was rented in XXXX GA I've never been to XXXX. this is identity theft.
Product: Credit card or prepaid card

My card was stolen around XX/XX/2022, the amount that was taken was XXXX I reported it got a new card sent out and never received a new card. I believe someone has my Identity.
Product: Debt collection

I have been trying to have this incorrect report removed from my XXXX   Credit Report since this first took place in XXXX. I have tried REPEATEDLY to communicate with managers and representatives alike. Back in XXXX I was finally able to talk to a manager about the situation - which is that this was not billed to my insurance even though I had Insurance - and I was told it was going to be removed and MY ACCOUNT NOTED. Yet this never happened. I was NEVER even notified of this debt and AS SOON AS I RECEIVED A PHONE CALL I WORKED WITH THE HOSPITAL AND MY INSURANCE TO HAVE THE BILL PAID IN FULL. It was. The hospital has since changed ownership and they are not able to provide me with any records or notes because I was told their system has been changed and there is no way to access the old XXXX XXXX XXXX XXXX. Under the CRNR, a client has the right to be notified before a negative report can be made on their credit and I was not.
Product: Checking or savings account

Complaint against U.S. Bank for failure to abide by Arizona State Law ( XXXX. XXXX ) that Revokes any revocable : ( a ) Disposition or appointment of property made by a divorced person to that person 's former spouse in a governing instrument and any disposition or appointment created by law or in a governing instrument to a relative of the divorced person 's former spouse. 

I have contacted the bank by certified letter explaining the situation and asked for their prompt attention to this matter to which there has been no response. The bank seems to be unaware that they need to follow this law. 

I have explained my situation to numerous people in person at numerous bank locations, spoke with numerous people on the phone, asked for contact information for their legal department which they refused to give me, and sent a certified letter to the bank ( which I know they received ) explaining the problem and expected resolution and there has been no action taken or communication of why they can not resolve this matter. 

The bank has been notified of the divorce between XXXX XXXX XXXX and XXXX XXXX and needs to remove XXXX XXXX as a beneficiary to any accounts held by XXXX XXXX XXXX. 

If you have any questions regarding this complaint, please contact me. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

have called Equifax multiple times, as well as have submitted information on this matter. I have yet to get a response and I am over it. I did not authorize these inquiries on my credit report and I want them off. Equifax is supposed to protect my information and has failed to do so. XXXX XXXX   has ran my credit multiple times and had no authorization to do so. Also I know my social security was part of the breach that happened.

XXXX XXXX :XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX : XX/XX/XXXX Its pretty ridiculous that this is even happening.
Product: Credit card or prepaid card

Last XX/XX/2019 I was paid in full balance of {$3000.00} included for cash balances and interest accrued. 
Then this coming XX/XX/2019 statement, I received an additional interest charge of {$54.00}. 
I called the company and I spoke XXXX she said they can not waived the interest because this is valid interest. 

I believed this is not fair because this is over charged interest in my part.
Product: Vehicle loan or lease

I have an auto loan with United Auto Credit, and was involved in an Not at fault accident on XX/XX/year>. I received a settlement of XXXX from XXXX XXXX that was sent directly to United Auto Credit and applied to my account on XXXX. It was then changed by United Auto Credit to XXXX without my knowledge on XXXX. That is a XXXX difference in the amount, and also the interest I had to pay because this payment was reversed by United Auto Credit. This was done without my knowledge. 
I am requesting {$500.00} applied to the balance of my loan plus the additional interest. 

I also confirmed with XXXX from XXXX XXXX that a check for {$8800.00} was sent to United Auto Credit. 

Furthermore, since having account with United Auto Credit, I have been unable to keep an online account. I have to have it reset once a month for the last 24 months to make payments and check my statements. I feel this has been done on purpose to make it more difficult to track my balance and make payments. I just want this fixed permanently.
Product: Debt collection

After purchasing a new home in XXXX of XXXX, I got a bill for for an outstanding medical balance never previously received ( XX/XX/XXXX ). The bill was through a collection agency ( TCAR Recovery, Remarketing, Collections out of XXXX XXXX, XXXX  ). When I contacted TCAR to verify the claim they were pursuing, I was notified of an unpaid medical bill from XXXX Hospital in XXXX XXXX, XXXX  for emergency room services received XX/XX/XXXX. The notice by mail from TCAR came through my previous address in XXXX, XXXX  and was forwarded to my new home in XXXX, XXXX  via US Postal Service automatic forwarding. I contacted TCAR in order to get copies of the invoices. Once I realized that the medical bill was for services I had received that should have been covered by my health insurance plan, I contacted my health coverage member services to see what options there were for coverage. My health insurance company informed me that although the services I received were more than one year previous, I could submit invoices for coverage. When requested from XXXX Hospital, the original invoices had been mailed to a previous address in XXXX XXXX XXXX, where I hadn't lived since XXXX of XXXX. ( Current XXXX  State address, Identification and Insurance Plan information was submitted to XXXX on the date of service ). After explaining to XXXX Hospital the incorrect address on their invoice and subsequent forwarding to collections through TCAR was their responsibility and my insurance plan had offered to cover services if XXXX would resubmit claims, XXXX had computer recovery issues and were to send me copies for submittal my health insurance company ( Phone records XX/XX/XXXX ). Those records never came nor any additional contact by mail nor phone was received from either TCAR nor XXXX, so I assumed that XXXX had realized their mailing mistake and not pursued billing or had gotten paid from my health care provider. In XXXX of XXXX I got an updated credit report to pursue refinancing of my home and was informed that the collection request was still pending. My wife contacted XXXX in XXXX, XXXX and XXXX informed her the bill was still outstanding. Help is needed to resolve this issue caused by mailing the original bill to an outdated address and subsequently sending to collections even though full health insurance benefits were in place at the time of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account US DEPARTMENT OF EDUCATION ( CLOSED ) is more than 7 years old. XX/XX/2012 xxxxxx XXXX {$14000.00}
Product: Consumer Loan

I closed my Nevada State Bank checking account, but still have a credit card with them. The NSB teller closed my online banking account at the same time without my knowledge. I 've been unable to receive credit card statements by email or mail. I called multiple times asking them to send me a bill, but they could not help me with my request. Why ca n't I get a bill mailed to me? How hard is that! As a result NSB has now charged me late a fee. Since I have NO bills of any kind, I do n't know what I 've paid in late charges. Please help me Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

We have several cards with CITI. Recently, we have been getting notices that our payments are late, also they have reduced our limit on 1 card. I have all our bills on my XXXX  calender, which I use every month. I tried to reach out to CITI, but you can't reach anyone via phone call. Today, I tried to reach them via chat. They have an automated gate keeper system that won't let you pass unless you spend 15 minutes using it trying to get it to understand it can't help you! When I entered the " magic '' phrase, it then said it would connect me to an agent. After 2 minutes, it disconnected me. I need help to get this back on track since they have now caused our credit score to drop and won't have an ACTUAL human talk to us.