23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022 I checked my bank transactions. I noticed reoccurring payments to XXXX XXXX  which I do not use. I contacted my bank ( bank of America ) immediately and told them the charges were fraud and that there was pending charges that were not authorized or legitimate and asked they canceled them. They told me they wouldn't be able to do that since it was processing and they would need to investigate and contact the merchant. I stayed in contact with them and they opened a fraud investigation. today on XX/XX/2022 I received a message that the case had been closed and it was not found in my favor but was given instructions on how to appeal it. I then appealed it by sending pages of my side of the story and included the laws and regulations for consumer protections. I also contacted the merchant ( XXXX XXXX ) to see if they could dispute the transactions or give me details on who sent the money or received the money. They were unable to find any transactions or accounts with my personal information and told me that they couldn't help me because I did not have any accounts with them. I told them that they were able to use my money to transfer to people over XXXX XXXX and wanted them to try harder to see who the money went to or how. They told me it was fraud and to contact my bank. Which I did. And they insist it wasn't fraud and that I have XXXXXXXX XXXX since I have an XXXX  phone. It is completely ridiculous.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw an inquiry from XXXX of XXXX XXXX, I sent a dispute requesting my permissible purposes 15 U.S Code 1681b, proof I permitted them to access my credit report I did not recieved any documents. I reported it to Experian requesting for permissible purposes they could not send me any proof. Experian does not follow the law, they do not care who they destroy for money
Product: Student loan

On XX/XX/year>, I received an email saying that Nelnet, my loan servicer, was planning to discharge my loans due to VA XXXX % XXXX UNLESS I stated that I did not want them to. I am currently still in school and am going to continue for the next XXXX years, so I do not want them to. I sent them multiple emails over the course of the next XXXX months that stated I do NOT authorize them to discharge. They sent one email back a week ago, asking for contact info, then this morning, I got an email that says they discharged my loans. 

I now can't go back to school unless I - " You obtain a certification from a licensed medical professional that you are able to engage in substantial gainful activity ; and You sign a statement acknowledging that the new loan or TEACH Grant service obligation can not be discharged in the future on the basis of any injury or illness present at the time the new loan or TEACH Grant is made, unless your condition substantially deteriorates so that you are again totally and permanently XXXX '' This severely limits my options and also doesn't account for the loans that I have received for this current semester.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to getting my report on equifax and they have somebody else social security I already send copies to support my identity and they still havent fixed and I can see my credit report because at that issue. I send yall copy of the social security that have wrong in my account please help fix the because its annoying to see that on my file
Product: Credit reporting or other personal consumer reports

There are discrepancies in my consumer report that require removal. These accounts are associated with a previous address where I no longer reside. XXXX has incorrectly connected this inaccurate information to my current address. This practice is not in accordance with the FCRA, as XXXX depends on creditors to provide updated addresses and subsequently links outdated account information whenever an address change occurs. 

I am writing to formally dispute certain information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, which requires that credit reporting agencies maintain accurate and complete records. After reviewing my credit report, I believe that the following information is inaccurate, incomplete, and/or outdated and should be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This old account is linked to an old address I use to live at. That address was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX This old account too is linked to my old address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 
XXXX, VA XXXX These two ( 2 ) old accounts are linked to another old address which was : XXXX XXXX XXXX. 
XXXX, FL XXXX How can XXXX associate these old accounts with a new address? I require clarification on this matter, as there is an inconsistency in the addresses related to these old accounts in accordance with the Fair Credit Reporting Act. 

I request that you investigate the accuracy of the above information and remove any erroneous, outdated, or unverifiable entries from my credit report. Please note that under the FCRA, you are required to complete your investigation within 30 days of receipt of this complaint and you must notify me of the results of the investigation. 

In addition, please provide me with a copy of my updated credit report once the disputed information has been corrected or removed. 

I appreciate your prompt attention to this matter and trust that you will act in accordance with the law to ensure the accuracy of my credit report. Please do not hesitate to contact me at the above address or by phone if you require any further documentation or information to facilitate your investigation. 

Thank you for your cooperation. 

Sincerely, XXXX, XXXX
Product: Debt collection

Back in XX/XX/XXXX I purchased an XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX. My husband was on the loan as co-applicant.

Back in XX/XX/XXXX I received a call while living in an efficiency from a lady saying that if I did not tell them where they could locate the car she would have me arrested by the sheriff.

The truck was not running, we where in the process of moving and she put fear in me.

I knew we had missed a payment but she be at told us all we had to was make the o e pay me t. We let them take car, and the next day in the mail we received a letter stating we needed to make one payment.

They sold the car asap and turned our account over to collection.

For 15 years we have been sued and taken to court regardi g this matter. We are being charged daily interest and feel we have paid this debt off years ago. But they keep telling XXXX. XXXX, XXXX XXXX XXXX the collection agency at XXXX XXXX XXXX XXXX, Va to continue to collect this old debt. They would car ish my husband 's wages if we did not pay ourselves.

We have had to file bankruptcy twice due to this issue. Been to court and told the judge years ago we had no funds to raise our family and continue to pay thousands of dollars on this account. But yet I am now still paying out of my social security check due to a separation. We can not afford to keep paying for a truck we no longer have. It has been paid in FULL we feel two times over.
Product: Credit card

I recent had my credit pulled and was alarm about a target card that appear on my credit report that I have no knowledge of.
Product: Credit card or prepaid card

Company charged me XXXX $ in late fees when I scheduled the payments to arrive on the scheduled due date.
Product: Debt collection

XXXXXXXX XXXX XXXX account charged-off and transferred to LVNV Funding, LLC. XXXX XXXXXXXX XXXX did not have my permission to disclose my personally identifiable information to a third part. XXXX XXXXXXXX XXXX informed that they are not reporting debt to credit bureaus, but LVNV Funding, LLC. has gained access to my sensitive information and has been reporting to the credit bureaus damaging my credit rating. 
I did not give consent to LVNV Funding, LLC. to report on my behalf. In addition, they have been receiving funds that are exempt from collections as I am a recipient of Social Security Disability Insurance and this is my only form of income. 
Funds have been extorted from me and any payments made to LVNV Funding, LLC. were made under duress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4000.00} ), XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Payday loan, title loan, or personal loan

Bank of the West has been unable and unwilling to assist in resolving an issue that occurred AFTER the loan was paid in full, title released, and overpayment sent. They are now claiming we have a balance on the loan, without being able to provide any documentation as to why. I have contacted at least XXXX customer service representatives beginning on XX/XX/22 attempting to resolve this issue. I have requested a complete loan history transaction 6 times and to date have not received any information. Multiple employees have said they will research and call me back. No one has followed up or provided any information. One supervisor ( XXXX XXXX XXXX said loan was paid in full and he would send documentation to confirm, other employees said a check was returned XXXX  from XX/XX/22. I have provided complete proof from the payee bank that the check was paid upon presentment and a copy of the bank statement showing the check was indeed paid to Bank of the West.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I respectfully request the immediate blocking and deletion of the following fraudulent account from my credit report. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these fraudulent entries. 
Fraudulent Account 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian replied in my CFPB Complaint XXXX, that the request to dispute inaccuracies on MY credit report they BELIEVE was not sent by me. Well who else would have sent it? Where is the proof that I didn't send correct information to correct my credit report? Who else benefits from me correcting bad information on MY CREDIT REPORT? 

Please provide proof that it was not me or delete the information immediately. This seems like an easy way to not comply with the law by simply stating you believe I didn't send information after providing property documentation.
Product: Prepaid card

I reported my card lost and I also reported transactions that wasn't me Direct Express only gave me XXXX back as a provisional credit I'm missing a lot more. This is my kids money & now I don't feel comfortable getting their money on this card since it's so easy for people to steal it but so hard to get it back. They act as if you are lying when you dispute transactions it's crazy. I'm a huge advocate for my kids & I want all their money back.
Product: Vehicle loan or lease

on XX/XX/XXXX, My husband and I went to look at a used car from a dealer we have dealt with three times now. We drove that car away that day. The dealer advised he now uses US Auto Credit for lending and someone would be calling me to do a quick identity interview. This was done on XX/XX/XXXX as I have an email confirming I did this call. Prior to this I rec 'd collection calls to make my first payment which I learned was on XX/XX/XXXX before I even completed the interview and frankly didn't even know US Auto Credit was the finance company as the dealer just stated he uses a auto loan company now and we  didn't know the name. Since XX/XX/XXXX the dealership has had to replace the 45 day temp tag on my car several times ( over 125 days total now ) bc the Auto Credit company despite the dealer collecting {$400.00} for my tags and taxes has failed to provide me a tag or registration for my vehicle. I have made every payment until my payment due on XX/XX/XXXX until they provide me my tag, if they don't then the car will be going back to the dealer if I cant get it resolved here and subsequently removed from my credit and a refund of all payments made to the Auto Credit including taxes and tags will be returned even if I have to seek legal counsel assuming it cant be resolved here. Of note, I have had this vehicle insured since I drove it away on XX/XX/XXXX as a safety precaution for myself and my family and I will upload proof as well as proof that I have paid for the tags and taxes.
Product: Mortgage

Back in XXXX my mortgage loan was transferred to Selene Finance, LP from XXXX XXXX. There were cooperate advance fees of {$17000.00} applied to my account. Neither Selene nor XXXX XXXX could tell me the nature of these fees. I tried getting some explanation but no one seemed to know why those charge were assessed to my account. 
My overall outstanding principal should be a lot less, but because of these fees it feels like I have not made any progress toward my mortgage payments over the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres incorrect information on my credit report. I spoke with Midland Funding in regards to an collections account for XXXX XXXX XXXX, in which they advised me that XXXX XXXX was the secondary agency, handling the account & I would have to call them to payoff the balance. After speaking with an agent at XXXX XXXX, he advised me that a payment of {$350.00} was needed to settle the debt and have the collection removed from my credit report. After making the payment on XX/XX/2020, the agent agreed to immediately forward the proof of payment to Midland Funding, so that the they can have the collection deleted from my credit report, being that they were the ones who reported it. Prior to making that payment, it was understood that Im in the process of closing on my home and needed everything to be processed swiftly as possible. The agent advised me that I had nothing to worry about, because it would only take but 3-5 business days to be deleted. Its now been past that 3-5 business days mark and both companys Midland & XXXX XXXX are giving me the run around, blaming each other for the delay in deleting the collection from my credit profile. All Im asking is that they please delete, you all have been paid in full.
Product: Credit card or prepaid card

I received the call from the Social Security Administration about my social security number being used by several individuals. I downloaded my credit report and saw that there was a Capital One Bank USA, na account open in my name in 2016. This account is fraudulent. I reached out to Capital One Bank and let them know that I wish to dispute the charges based on the grounds of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Robinhood financial services restricted my account on XX/XX/year>. I can not trade or access my funds wich are mostly mine! I provided all of the documenttion they asked for, XXXX ) license id. XXXX ) selfie all around face! XXXX ) bank statement. XXXX ) password information. XXXX ) full round of personal contact information! I was fooled that they would clear my account immediately. Now i can't contact them through my account app. they saying this case was closed!
Product: Bank account or service

PAYPAL ACCOUNT On XX/XX/2017 I initiated a transfer of {$100.00} from my personal bank to PayPal. On XX/XX/2017 my funds showed as " Available {$100.00} '' in my PayPal account. I attempted to purchase an item eBay for {$94.00} on XX/XX/2017 and XX/XX/2017 numerous times but an error said " Pay Pal not an option ... contact PayPal ''. After hours on the phone with PayPal and eBay NOTHING WAS RESOLVED! I am now requesting PayPal refund the money back to me in the form of a CHECK. When I do this an error now shows up saying " Not a Valid Billing Address ''. I ONLY HAVE XXXX ADDRESS ON FILE WITH THEM AND THIS IS THE ONLY ADDRESS I HAVE EVER HAD ON FILE WITH THEM. I have unlinked my bank account with them as I am concerned about security. I continue to get canned generated emails back from them that do not address the problem. Please provide me with your assisstance in getting my money back from this fraudulent company.
Product: Debt collection

There is a {$34.00} charge on my XXXX account that I never charged. 

The charge was for a XXXX parcel pickup that I never requested. When I asked where the alleged parcel was going, XXXX was not able to provide information. Just stating that it was for a parcel pickup. 

I made multiple attempts from XXXX of XXXX  to XXXX of XXXX  to resolve this. I have spent at least XXXX hours trying to resolve a {$34.00} unknown charge from XXXX. 

Now it is sent by Synter Resource Group , LLC . With the file number XXXX.
Product: Mortgage

While this company was called XXXX, I entered into a loan modification trial period that promised a loan modification at the end of a three month trial period, if I met the criteria of the agreement. XXXX, and the end of the three months, then claimed they had not gotten all of the paperwork form me ( which was not true ) and continued to accept modified payments and request documents, over and over, for a period of over two years. After the 25-month trial period, XXXX rejected my loan modification application and claimed I had not paid as agreed. They reasoned that I owed the difference between the modified payment and the contractual payment, and all the arrears, including late fees and legal fees, were due immediately to avoid foreclosure. I asked for a type of work out that could catch me up over time, they refused. They foreclosed, even though I had made every payment in full and on time, and had provided all documents promptly, over and over. At court, XXXX and their attorney from XXXX Law XXXX, did not convince the judge that I had been delinquent, so they introduced last minute evidence, the Collection Notes, which I had not seen, to claim I had not provided documents as they requested. The defense was not allowed to read said documents until the trial was over. After the trial, I read the Collection Notes and found that XXXX and their attorney had not only received the correct documents over and over, but that they made up reasons to reject the documents, ofter making up reasons. I appealed, but the appellate court took the position that the case needed no review. I then put forth a motion to overturn the verdict in the Interest of Justice, because the Plaintiff had lied in court ( please see CFPB complaint # XXXX ). XXXX response was to transfer the servicing to a new company, Ditech. Ditech then moved to set a sale date for my house, even after becoming aware that XXXX had lied in court that even though there was an open motion on the desk of the presiding Judge. 
Please note that XXXX is under Administrative order File No. XXXX. This order was issued because XXXX did these types of things, habitually, to their borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX MORTGAGE SOLUTION ( EQUIFAX MORTGAGE SERVICE ) labeled Miscellaneous meaing of various types or form different sources. I did not give any authorization for the process of that, different sources unknown using my XXXX information for applications etc. I applied for mortgage loan with XXXX this is an Act of an Privacy Breach, there is no reason i shall have inquiry from EQUIFAX based on mortgage service. Resulting in other mortgage services having inquiry on my credit file as well.
Product: Credit card

I am a long-time holder of a Chase Premier Visa Signature credit card which provides Southwest Rapid Rewards based on charges made. I work out-of-town and use the card frequently. At least once a week I pay all charges, including pending charges, online. This has worked well for years. Recently when checking my credit card account online I noticed a " credit balance refund '' in the amount of {$430.00}. I called to learn what this was and was adivsed it was a refund for a payment in advance of charges hitting my account. I explained the charges were shown on the account as pending and that this had never happened before. I was further told that the refund had been made by paper check and sent to my address of record. I asked that the check be cancelled and the refund credited to the account for which there were open charges in excess of the credit amount. I further explained I was working out of state for an extended period of time. I was told this could not be done. I then asked why the refund was not made electronically since that is how all my payments are made and was told a paper check in the mail was more secure than an electronic payment. Of course, this is not true. Again, I explained that I am working out of state and do n't know when I will next be able to get the check. I was told it is good for 90 days and can then be reissued. I asked why this change in practice had been made and was told it was a requirement of Southwest Airlines. Of course this is not true ; the card is from Chase which offers the Southwest rewards as an incentive to use their card. Having gained no saisfaction by phone, I personally visited a Chase banker in the state in which i am working. He reviewed the situation and did not understand it either. He called the Chase credit card department and was told the same incorrect information as I had been. He talked to his manager and we decided to ask that Chase reissue the check and send it to me in care of the local Chase branch. Chase Visa refused to do so. The banker and I came to the conclusion this new practice had been adopted in an effort to increase interest income on accounts. Most people would not check their account and notice the stealth refund which then becomes a balance due on the account for which interest could be charged. I never carry a balance long enough to owe interest, so this is a clever way to try and cause interest to be due. The answers that checks in the mail are more secure than electronic payments and that Southwest Airlines required this banking practice are demonstrative of the deception the bank is engaged in. i am asking the CFPB to work to change this deceptive practice by Chase.
Product: Vehicle loan or lease

I visited XXXX XXXX in XXXX, NY to look at a new truck. We discussed a truck, they took some information and went to run numbers. As we were filling out information prior to running numbers. I said to the salesman, very clearly, do not run my credit. I have an XXXX credit score and am very particular about it. I stressed how important it is, he acknowledged and understood. They disappear to run their numbers per usual, come back to share them. We were obviously not looking at the right truck. As I get up to leave because I had a two hour drive home to take care of my dog, the sales manager states to me " your payoff was a little higher than you thought ''. Which technically, it wasn't, but TransUnion hadn't updated yet. To which my response is " you ran my credit?? ". At this point I was extremely upset and frustrated. I asked for full disclosure pricing on a 72 month term, they came back with all different terms, add-ons including warranty, rust proofing, etc. and completely ignored my request to not run my credit. Now I have an unjustified hard inquiry on my credit that will remain for 2 years for no reason.