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

My vehicle has been repossessed by XXXX XXXX. I have called them and they told me how much I need to pay to get it reinstated. They will not tell me how long the vehicle is going to be at the place of possession, only that it could be transported to an auction lot in 24 hours. 

I also have NOT received any correspondence in writing that the vehicle has been repossessed. The fees are going to mount. I have a very high interest rate, which I am aware of, however, I just need my vehicle back. I can not afford the {$2000.00}. which they want me to pay due to fees etc. this is my second repossession and all they told me that the next time ( if there is one, I will not be reinstated ). 

I know that I should have received some correspondence and also given a date as to when it could be auctioned so that I can pay for this. I have a job but I can not do my job without a car. I have assets in my retirement account but they can not be released until late XXXX 2018. PLEASE HELP.
Product: Credit reporting

I have requested over and over again for Experian to delete incorrect information from my credit file. I ( See the attached XXXX which DOES NOT HAVE MY NAME OR SOCIAL ON IT ), yet it is listed on my report. Experian has continued to violate the FCRA and the rights that have afforded me by practicing deceptive reporting and Experian is continuing to aid them by holding my credit hostage with inaccurate information. It is for these reasons that I am disputing the following and asking for complete deletion from my file. 
The following is maintained under my Social Security Number : XXXX XXXX Account # XXXX You can see that the attached XXXX DOES NOT HAVE MY NAME OR SOCIAL ON IT BY ACCORDING TO XXXX OWN DOCUMENTATION AND REPORTING. Thanking you in advance for assisting me in having an accurate credit file, with your credit reporting agency.
Product: Debt collection

The debt collection agency ( Rodenburg Law Firm, XXXX XXXX XXXX, XXXX ND XXXX ) ( Telephone : XXXX ) repeatedly and deliberately talked over me whenever I tried to talk to them and explain my situation ( drowning out my words in an abusive fashion ). ( The issue was that I was unemployed after being laid off and needed more time. ) They also falsely stated, more than once, that they couldn't talk to me unless I provided my full social security number and more ( my date of birth ), even though I had the account no. and their file reference number and were responding to their letter. Now they have sued me ( despite my attempts to work things out fairly in time as possible ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have failed to provide me copies of documents to serve as pproof of verification to suppport their claims that the disputed accounts are verified and reporting only accurate information on my Credit Report. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal actio XXXX XXXX  XXXX Balance Owed : {$140.00}
Product: Checking or savings account

Since 2009 navy federal has been over drafting my account and letting charges go through even after XXXX funds in account.
Product: Payday loan, title loan, or personal loan

Received a collection call from XXXX XXXX XXXX   that I didnt receive for over {$1200.00}. 
I applied for the loan but didnt receive it. Now I think they will try to take it from my checking account. They are listed on XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - Entered transfer request on Santander 's website to transfer {$10000.00} from XXXX XXXX XXXX XXXX Account to Santander Bank account XX/XX/XXXX - Received email confirmation from Santander Bank that request was received XX/XX/XXXX - Received email confirmation that transfer is on its way. Listing Transfer Item XXXX  Sending and Receiving Bank Names and correctly identifying last four digits of account numbers. 
XX/XX/XXXX - Received email notice from Santander that transfer was received and could not be deposited with no reason given. Stated they would return the {$10000.00} to the originating bank XXXX XXXX XXXX XXXX XXXX  ). Details of the Transfer were all listed correctly. 
XX/XX/XXXX - XX/XX/XXXX Multiple phone calls and hours on phone with primarily Santander and to a lesser degree XXXXXXXX XXXX trying to find the lost funds and get them back in my account. Answers are that they do not know and I must talk to someone else or the other bank.
Product: Checking or savings account

In XX/XX/, I realized my wallet, containing my driver 's license, had been stolen. Initially, I thought I had just misplaced it, but this oversight soon spiraled into a significant ordeal. By XX/XX/XXXX, after returning from a trip, I discovered that my account with XXXX XXXX XXXXXXXX XXXX was frozen due to fraud detected at the end of XXXX. In a bid for safety, I transferred my funds to a Chase Bank branch in XXXX. The same day at the branch, I was informed of a {$4000.00} withdrawal that I had not authorized. 

The situation quickly escalated. On XX/XX/XXXX, I learned of another {$4000.00} fraudulent withdrawal from my account. Alarmed, I immediately contacted Chase 's fraud department and continued to do so daily as the attack unfolded. This was needlessly difficult and rarely helpful. I also filed a police report to document the incident. Despite my prompt actions, the fraud persisted. 

I appeared in person at a branch where an agent advised me to open a new account and move money there, as it might dissuade the thief. I moved {$40000.00} into the new Personal account, trusting the advice of a Chase representative. 

Previously, I had filed a complaint with the XXXX ( XXXX XXXX ) which was referred to the CFPB regarding fraudulent transactions in my business account. Chase then acknowledged the fraud in my business account and reimbursed me the {$12000.00}. However, despite the evidence and the other fraud taking place at the same time, mirroring the method used in the previously acknowledged fraud, Chase bank has reviewed it and doesn't believe my story.

The response from Chase was dishearteningly inconsistent. Despite my immediate and continuous reporting, the fraudulent activities continued unabated. Now, I am facing collections for the {$5000.00} fraudulently withdrawn, a charge incorrectly attributed to me due to Chase 's mishandling of the situation. They've told me this is their final decision, and I feel helpless. 

I am hoping for the CFPB 's intervention to find resolution. I seek your assistance in addressing the ongoing issues with Chase Bank, particularly the mishandling of my fraud claim in my personal account, the incorrect collections action, and the inconsistency in acknowledging the legitimacy of similar fraudulent transactions. My desired outcome is a thorough investigation, reimbursement for my losses, and rectification of the collections issue.
Product: Vehicle loan or lease

Ally Financial XX/XX/year> {$31000.00} Account XXXX XXXX I was called via phone about a car loan account that I had no knowledge even existed. I never signed or been to any car dealership to inquire about leasing a vehicle or this vehicle. I informed the company that this account was opened fraudulent and I never possessed this vehicle or inquired about it. I asked what can we do to resolve this and they hung up and are continuing to report it on my credit report and are trying to collect from me. This is inaccuracy on my account is fraud and is hurting my ability to obtain credit. It is my understanding that you will investigate this account to ensure accuracy and remove me from this account and from my credit report.
Product: Credit reporting or other personal consumer reports

The following accounts listed in the FTC does not belong to me. I am a victim of identity theft. Im requesting validation of this debt and a signed document of my original signature. 
1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2.1. Validation of the debt-that is, the actual accounting.

3.

4.Verification of signed Invoice.

5.A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6.Please provide the original docurse and wet signature if you cant provide these items Delete them.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a thorough review and removal of the credit account with the partial number XXXX, which appears on my credit report and was fraudulently opened due to an identity theft case. Despite my previous attempts to resolve this issue with your company, I have yet to receive a satisfactory resolution. 

Below are the relevant details : This account was opened without my authorization on XX/XX/year>. 
It was used to make fraudulent transactions. 
I previously attempted to initiate an investigation with Capital One but did not receive a favorable resolution. 
Despite this being a case of identity theft and the fact that I did not authorize this account, I made the necessary payments, and the account has now been fully paid off. This demonstrates my good faith and commitment to financial responsibility. 
I formally request that you conduct a new investigation into this account and provide me with the verification methods used to determine its validity. Additionally, given my good faith in having settled the account despite the circumstances, I request that, as a goodwill policy, you remove this account from my credit history. 

I would also like to cite the following consumer protection laws that safeguard my right to dispute this account and request its removal : The Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute inaccurate or fraudulent information on my credit report. 
The Truth in Lending Act ( TILA ), which protects consumers from fraud and unfair credit practices. 
The Fair Debt Collection Practices Act ( FDCPA ), if any improper collection attempts have been made. 
I hope you will consider this request with the seriousness it deserves, and I appreciate your cooperation in resolving this matter. I have attached a copy of my identification, credit report, and any relevant documentation to support my claim. 

I appreciate your prompt response and remain available for any additional information you may need to complete this review. You may contact me through the details provided above
Product: Student loan

Every year I submit my application to Navient to renew the Income-Based Repayment ( IBR ) Plan with them for my student loans. And every year it takes months of going back and forth of them saying they need more information from me despite the fact that I have provided everything the application required. I do the same process with XXXX XXXX and I have no issues. With Navient it is a fight to get the IBR plan approved. Not to mention the fact that I submit my renewal on time and get the acceptance notification. Then not 2 days later I get an astronomical bill from Navient. And I am charged a processing fee for applying for the IBR plan! Can't forget about the harassing phone calls that I get every day that total up to 5 or more. Something needs to be done about this crooked company!
Product: Checking or savings account

I was scammed by a phone call pretending to be electric company and immediately reported the incident to my bank. My bank claimed that even though the payment was still " pending '', they could not stop the transaction. 
Date : XX/XX/22 Amount : XXXX
Product: Prepaid card

Hello, on XX/XX/XXXX a transfer of funds was made from My Money Network EDD card in the amount of {$1100.00}. This transfer was not done by me yet they are telling me that the recipient name is my name however they are unable to provide me with any banking information or anything that can help me figure out what is going on. I explained to them that clearly someone has my information and is now going as far as opening accounts in my name and doing these things which means they more than likely have my social security number and other information of mine. They sent me the forms which were dated the XXXX of XXXX however we're not received in my mailbox until XX/XX/XXXX which is already past the 10-day deadline in which they ask for me to return the the forms. Three days later on XX/XX/XXXX, I received a letter stating the case was closed and no error was made meaning they denied my dispute. I have emailed them an appeal along with pertinent documents, such as police report and details. I also signed up to receive a XXXX consumer report to see if there was a new account opened in my name, but there was noting that I was able to find on there, although the report was not as extensive as I thought. I have called the number on the form that the dispute decision was mailed to me on as well as the customer service number. 
The agents have been kind however they keep transferring me to a number or extension that does not exist I get the disconnected dial tone sound so I tried back in the same thing happens. I want to know where my money went especially if they're telling me that I am the recipient but the bank info is " null ''. I do not understand how a bank transfer can be done without knowing the bank name they were only able to give me the last four digits of the account number and that is not any account number that I have I only have my XXXX XXXX XXXX XXXX  and XXXX checking accounts and one savings account with the XXXX XXXX but none of them end in the four digits that I was given or that the money was transferred into. Furthermore the same day that this transfer was made I was coincidentally not able to sign on to my online banking which means someone had changed my information because my password was no longer working. Based on all of this information, I was trying to tell them that I believe my information was hacked or my IP address or server was hacked in some way and I needed more information because my information is at risk. No one has emailed me back or followed up on my appeal. My entire account balance was depleted in the blink of an eye, yet no one cares. No one cares that I have a family to feed and bills to pay and that because of this entire ordeal, EDD was forced to put a block on my account and reissue me a new account which took almost 3 weeks. It was actually the police department who suggested I contact you guys to assist me with this matter. I really do appreciate your time and reading this and I hope that you're able to help me resolve this. Thank you kindly.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding their handling of my dispute involving an account with XXXX XXXX XXXX  XXXX Account Number : XXXX ). Experian did not comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ) ( B ), and 611 ( a ) ( 7 ). In which I received a generated response that the account is accurate and verified Details of the Dispute and Experians Investigation : Initial Dispute and Investigation Timeline : I disputed this account with Experian, citing inaccuracies in how the account is reported. 
Under the FCRA, Experian is required to conduct a reasonable investigation within 30 days ( or 45 days if additional information is provided ). However, I received their results within 2 weeks, which raises concerns about the thoroughness of their investigation. 

Inaccuracies Not Addressed by Experian : -Conflicting Charge-Off Dates : The account is listed as charged off in both XX/XX/XXXX and XX/XX/XXXX, which is contradictory and misleading. 
Balance Discrepancies : Despite being charged off, the account reflects a balance of {$120.00}, which suggests improper reporting of the accounts status and balance. 
-Lack of Validation Methodology : Experian failed to provide information on how they verified this accounts accuracy. As per 611 ( a ) ( 6 ) ( B ), they are required to provide me with the method used for verification when requested. 
Reinvestigation Requested : -Given the inconsistencies and lack of evidence supporting the accounts accuracy, I requested a reinvestigation, which has not been satisfactorily completed.

Violations of the FCRA by Experian : Failure to Conduct a Reasonable Investigation ( 611 ( a ) ( 1 ) ( A ) ) : Experian failed to conduct a proper investigation of my dispute. Completing the investigation in just 2 weeks without addressing the issues raised indicates negligence. 
Failure to Provide Verification Methodology ( 611 ( a ) ( 6 ) ( B ) and 611 ( a ) ( 7 ) ) : Experian has not disclosed the method or procedures used to verify the accuracy of the account, which is required under the FCRA. 
Failure to Ensure Maximum Possible Accuracy ( 607 ( b ) ) : Experian is obligated to ensure that the information on my credit file is accurate. The conflicting charge-off dates and unresolved inaccuracies violate this provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Concerning CFPB complaint XXXX LexisNexis admitted that I filed disputes about incorrect information on their consumer report containing information about me. LexisNexis stated that disputes were filed XX/XX/XXXX. This dispute was directly related to an identity breach and social security variance that was addressed with LexisNexis as well as all other credit reporting bureaus. XX/XX/XXXX it was discoverd that the disputed items were not deleted by LexisNexis as asked and my request to " Cease and Desist '' ( OPT OUT ) of the sharing of my information was not granted per my rights under FCRA. XX/XX/XXXX and XX/XX/XXXX corespondence sent certified mail to LexisNexis were subsequently ignored and no resolution to innacurate data was accomplished only letters that stated " they could not verify identity '' even though clearly legible copies of both state issued drivers license and social security card were sent with each certified mail corespondence. LexisNexis stated in its last complaint response that they mailed a Consumer Disclosure Report ( LNCDR ). No such report has ever been mailed to me. I have sent affidaivts and identity information in order to remove incorrect address and public record information pertaining to me as per my rights under FCRA. LexisNexis has been asked several times to : 1. Give me a description of the procedure used to determine the accuracy and completeness of disputed including the business name and address, and telephone number of any furnisher of information contacted.They have refused each request. 
2. To furnish notification of the deletion of disputed information to any person or company whomever has received a LexisNexis consumer report. XXXX has refused. 
3. To " CEASE and DESIST '' sharing of my personal information with ANY third party ( OPT OUT ) because they DO NOT HAVE MY CONSENT to compile or share this information. LexisNexis has refused. 
At this time XXXX is in direct violation of my consumer rights under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX SPLIT MY CREDIT REPORT INTO 3 RESPECTIVELY!
<P/>
TO KEEP THE 3 FILES COMBINNED THEY SUSPEND 3 ONGOING DISPUTES IN DATA BASE ( SEE ATTACHED ) 1 ) .CONFIRMATION NO.  XXXX   DATED  XX/XX/2016 -STATUS PENDING 2 ) .CONFIRMATION NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING 30.CONFIRMATION NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING ITS APPARENT THAT EQUIFAX IN SUPER GLUING MY CREDIT PROFILE AND CREDIT FILES TOGATHER.
Product: Credit card

I made a purchase at XXXX XXXX using a store credit card offered by Synchrony Bank. On XX/XX/XXXX, the mattress was delivered defective. 

I tried to work with the merchant several times to resolve the quality concern. I visited the store on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. I called XXXX XXXX on XX/XX/XXXX and XXXX. I was not able to resolve the dispute with the merchant on any of these occasions. 

The merchant kept telling me things like " break it in '', and tried to push for an exchange at an additional cost. I contacted the manufacturer on XXXX who confirmed it was defective. The merchant still refused to resolve the dispute. 

I contacted Synchrony Bank to tell them what happened on XXXX. They opened a dispute, and I provided additional information on XX/XX/XXXX to help their investigation. They closed the dispute in the merchant 's favor, saying they were told the merchant is working with me to resolve the dispute. This is not true. 

I followed up with Synchrony Bank on XX/XX/XXXX, requesting the dispute re-opened. Synchrony Bank closed the dispute again, resending the exact same information from the merchant. Synchrony Bank then made an entry in my credit report saying Dispute Resolved - Consumer Disagrees. 

In short, I have tried several times to resolve the dispute with the merchant, to no avail. Synchrony Bank did not investigate my claims in their review of the dispute, and sided with the merchant, who even acknowledged in their response that the mattress is defective. Synchrony Bank also continued to send me bills while the dispute was open.