23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Nissan-Infiniti LT has been harrassing my credit report by reporting the account is closed for the monthly to intentional decrease my credit score.. This account was a charge off back in XX/XX/XXXX as a charge off. I never received a 1099c from Nissan-Infiniti LT and I never received a bill of sale of the vehicle that was auctioned in XX/XX/XXXX. They have refused to cooperate with me and since XX/XX/XXXX, they have been reporting the account closed monthly. I will provide proof. Under the FCRA as a consumer I have a right to see a bill of sale. Since they can not provide accurate information, and after several attempts to resolve this matter, I am seeking legal action against them. I have tried numerous times to resolve this bill and they refuse to cooperate. 

As a consumer- I have the right to be provided with a statement regarding the sale after your car is sold or auctioned. 

I never received a bill of sale for an auctioned vehicle that was repossessed from me. 

Nissan did not provide the following during the Auction sale of the vehicle. 

1. An explanation of my liability if you owe a deficiency balance after the sale 2. A description of how you can obtain an explanation of how the proceeds of the sale are applied to my debt obligation 3. A description of how you can obtain an explanation of how the lender calculated your debt obligation.
Product: Student loan

I was asked to get a loan for XXXX school that I was attending since I couldnt get assistance from the school since my parents made too much money. I went to citi bank and applied for a loan and they mentioned that me and my mother did not qualify so we went on and I had to drop out because I could n't get any help. two years later I got a bill from the bank saying that I owed them money and I had no idea that I was even approved so I got to talk to the bank and mentioned that they sent the money to the school and I was not informed about the situation now the debt is XXXX and I do n't know what to do I also tried to contact the school and left voice mails and no response back.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I have contacted the various Credit reporting companies and requested in accordance with Section 605B of the FCRA, we have determined that the block request may have been made in error ; is a misrepresentation of material fact relevant to the request to block and/or you have obtained possession of goods, services, or money as a result of the transaction. I demanded a reinvestigation, as before when I had ask them to investigate they did not and I did my own investigation to find that my information was stolen and utilize by another individuals for several purpose and the companies were trying to hold me responsible. ONce again I would like for them to properly reinvestigate and remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In XX/XX/XXXX/XX/XX/XXXX I did a loan modification for a XXXX XXXX  that had been transferred to TD Bank. I was pressured into accepting these terms in order to not lose my house. The terms I signed do not match the amount I am being charged. They show {$15000.00} in outstanding balance and my paper work shows {$3400.00}. I would like relief for the amount of charges and accrued interest they are charging me. Accrued interest on the modification says {$34000.00} on my account but the paperwork I signed says {$33000.00}. Since TD Bank has taken over this loan I have always had to be transferred or wait for someone to call me because my loan is in a different system. I cant access it online. Cant talk to people in the Bank. Customer service because it was a XXXX XXXX is horrible. I should be able to call and get help with my account and not have to wait 3 to 5 days for someone to call me back.
Product: Checking or savings account

A fraudulent account was opened in my name with truist. I received a letter in the mail stating that an account was created in my name. I immediately called the fraud department of truist to find out more information and demand immediate close of this account. The fraud department reached out to me by mail stating that I had to put my money in this fraudulent account that was created to bring it to a XXXX balance in 7 days or a charge off would be placed on my consumer report. As a consumer why am I being held liable for a mistake that truist made? Letting a fraudulent account be created in my name.
Product: Mortgage

I paid in late XXXX or early XX/XX/2023 for a home appraisal that wasnt completed until XX/XX/2023. I filed a complaint with Wells Fargo for miscommunication and delays with my refinance and demanded the loan to be canceled. Wells Fargo reached out to me on XX/XX/2023 to inform they were conducting an investigation and told me my loan was still active. 
On XX/XX/2023, the electronic documentation exchange on my Wells Fargo account site was deleted. On XX/XX/2023, I received paper mail from Wells Fargo declaring my loan was denied. Today, the representative from Wells Fargo called to tell me that my loan team didnt anticipate issues with my loan and refuse to refund my appraisal fee. Since I paid for it, I want the appraisal mailed to me. I didnt anticipate it being deleted and unobtainable.
Product: Checking or savings account

On XX/XX/XXXX, I placed an order for food delivery from XXXX XXXXXXXX 's through the XXXX app. After about an hour, I got a notification that the food could not be delivered. Per the app, the driver had already picked up the food. When I placed this order, I also signed up for the XXXX monthly membership, in order to get free delivery on this order. I contacted XXXX customer support, and all they would tell me, is that the driver could not complete the delivery and I would be refunded for the order. Since I added the membership to this order, I asked if my membership would be refunded too. Per XXXX, they cancelled the membership. I discovered the next day, that they cancelled the membership for the next month. I wanted it cancelled immediately, because I didn't get the order that I requested it for. When I contacted on XX/XX/XXXX, XXXX said that due to recent refunds and adjustments on my account, they were not willing to cancel my membership. As I mentioned, I only signed up for this membership because I had ordered the food. The food wasn't delivered. The entire order, including the membership fee, should have been cancelled. I advised XXXX that I would follow up with my bank. I contested the charge with Key Bank. They granted a temporary refund while they researched the charge. After almost three months, Key reversed the refund, saying that they couldn't help. All of that brings me here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed accounts need to be removed XXXX XXXXXXXX XXXX  XXXX closed on XX/XX/XXXX XXXX  XXXX  closed account remove account XXXX closed accounts XXXXXXXX XXXX XXXX XXXX  ( it was removed from equifax i need it removed from XXXX and XXXX asap ) XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove all inquiries i didnt authorize none of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a Wells Fargo account of any kind. Wells Fargo is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent.Wells Fargo does not have my consent to report any of my private information with any person or any company. Wells Fargo may only communicate with me in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Student loan

My servicer MOHELA incorrectly calculated my monthly payments, and is still billing me an incorrect amount. Prior to Covid my payment under REPAYE plan was around {$720.00}. At the end of the initial payment pause in XXXX I should have been automatically put on the SAVE plan, which should have reduced my bill. Instead MOHELA billed me for {$1200.00} monthly payment amount ( incorrectly calculated by them ), then they put me on an administrative forbearance ( without me doing anything or requesting this ), and then on XX/XX/XXXX I got a letter that my new SAVE payment was {$1000.00} ( also incorrectly calculated ). Finally on XXXX XXXX  I got a letter with the correctly calculated SAVE monthly payment of {$630.00}, but then the next day I got a bill for the previous incorrectly calculated amount of XXXX XXXXXXXX the bill is backdated to XXXX XXXX but it did not appear in my inbox nor did I get an email notification about it until XX/XX/XXXX. In addition to the incompetence of incorrectly calculating payments and billing for absurdly high amounts, they are impossible to contact and if you do speak to someone in their customer service department, they are unable to help. 

I have tried repeatedly to contact them, and only got through via phone one time and the agent was unable to help me resolve the issue. In addition I am on PSLF, so I don't want a month to not count towards my forgiveness due to MOHELA 's inability to do their jobs correctly. Per Department of Education, the months I was put on administrative forbearance by MOHELA should count towards PSLF, but my online account shows those months as ineligible as well, which is incorrect.
Product: Credit card

My PayPal credit card ending in XXXX has 2 authorized users and both are not being reported to the credit bureaus. The account is missing entirely. The account is being reported on my credit report. I need this clarified as to why both users are not being reported despite being added in XXXX XXXX XXXX 

Separately, I spoke with one of the rudest managers today ( XX/XX/XXXX ) who provided misinformation and did not help to file a concern until we got into an argument. The concern will take 30 days by physical mail, and I do not feel comfortable with her escalation being correct. Her name is XXXX, she said she could not give an employee ID number. She started by saying her reps gave correct information ( when they did not ) and went into a whole conversation that was unrelated to my issue ( stating that this was an issue for the credit bureaus, not PayPal, that the authorized users were on my account ( which has nothing to do with my issue ), and stating that PayPal does not report dormant accounts ( which, again, has nothing to do with my issue as the last report went out in XX/XX/XXXX ) ). She was very rude, speaking over me, did not admit to her mistakes, was extremely defensive, and said that she does not handle credit bureau reporting ( as if that helps me at all, trying to divert blame as it's not her department and it's clearly not mine ). Please provide the complaint number for her.
Product: Credit reporting or other personal consumer reports

As of a recent date, I noticed this account/collection on my credit I have no knowledge of, as well as inaccurate addresses and names on my report. I would like the following removed/corrected The correct name for my account should be " XXXX XXXX XXXX '' and the correct address should be " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please delete any outdated or incorrect names and addresses associated with my credit profile. 

XXXX XXXX XXXX XXXX XXXX ( XXXX # XXXX ) Amount- {$8600.00} Opened- XX/XX/XXXX Inaccurate Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance- {$4300.00} Opened - XX/XX/XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Name : XXXX XXXX Transunion XXXX XXXX XXXXXXXX XXXX ( XXXX # XXXX ) Balance- {$8600.00} Inaccurate Names Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Complaint against Gemini Trust Company , Llc I have {$1300.00} in my exchange account and I wan na withdraw it to my verified bank account but I'm getting a error.I opened a ticket to customer support they told me we need proof of closure your old bank account. I provided and I also removed it from their app. there is only my current verified bank account. It's been 2 weeks. I can't get answers my e-mails
Product: Debt collection

This company ( the bureaus ) has been calling me and harassing me, even though I have sent them a cease and desist. Ive also emailed them several times. They are now calling from blocked and unknown calls, but I know it is them because they specifically say the name of the company. They have also given me account numbers verbally over the phone. So if it isnt, this company then did their information get hacked and leaked? 
Ive also asked them repeatedly to send me the original documents with my signature on it, But they refused to send the correct verification. They also at one point, said they would remove it from my credit report and never did I have emailed Capital One about the documentation and I am awaiting a response. Capital One has not harassed me about it. In fact, I dont even think I got communication when Capital One sold the debt because I dont recognize this account. I am only including Capital One on this because that is who the bureaus said is the original creditor
Product: Credit reporting or other personal consumer reports

I sent certified mail to XXXX, Experian, XXXX LEGAL DEPARTMENT demand for arbitration on XX/XX/year>. I sent over my 1099 C to have them to update correct account information. The documents are attached. All accounts listed are PAID IN FULL & with corrected amounts XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Account was paid in full in Accordance with XXXX XXXX XXXX by creditors policy 's so please update to paid in full and balance of XXXX as shown by such filed 1099-C. I have allowed 30 days and I will contact legal authorities and also file the necessary complaints XXXX, XXXX, and whomever. You have 10 calendar days to act on the demand for arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following companies have violated my rights. 

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. 

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

I sent my letter to the credit bureau on ( XX/XX/2022 ). I told the credit bureau to investigate every piece of information on the accounts I have listed below. 

Account Name : 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  According to the FRCA THE TERM Investigation consumer report means a consumer report or portion thereof in which information on a consumers character. General reputation, Personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such item of information.

They state my account was verified behind the possible, if they didnt do the proper investigation according to the law. Also I have a piece of information on these accounts are still not report on 100 % accurate. And According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I also have the credit report.
Product: Checking or savings account

On XX/XX/XXXX I wrote a check for {$11000.00} from my Bank of America account to XXXX XXXX  to pay off a second mortgage. The check was then returned back to Bank of America with no explanation and they have not service they have not serviced The check and now my payment is late to XXXX to pay off the second mortgage. They were very rude on the phone. They couldnt find a solution. The money was in the account and they returned the check back and said something about that. The check was a fraud check When it was a perfectly good check. I want to XXXX to publish this description on consumer
Product: Checking or savings account

I am an XXXX. 
Placed {$10000.00} into a savings account for a minor 6 months from his XXXX XXXX. Normal savings account, XXXX interest, fine for 6 months, then give client his money, no fee to me. Accout in name of me and his grandmother. 

Go to close account couple days after his XXXX XXXX, Bank returns what we gave it plus a few cents. 
I ask, where's the interest? Didn't expect much, {$50.00} or so. 
Bank gave me XXXX cents. Told them that was not right, did the math on phone in front of them, showed to tellers. Manager got involved, she got on computer, made phone calls to a higher up, refused to do anything. Client wanted his money, so we took it. 
I kept the XXXX cents. 
There is obviously something wrong the way this was handled by the bank. Clearly there should have been an interest payment of more than XXXX cents on {$10000.00} for about 6 months. 
If the interest is XXXX, as on the document, the interest should have been plus or minus {$50.00}. If they are now saying or going to say the interest is XXXX XXXX, I was deceived when the account was opened, and I never would have done it. 

There is an arbitration clause in the documents. The cost of beginning a small claims court proceeding or requesting aritration exceeds the monies not paid and kept by the bank. It is therefore easy for a bank to take money from consumers who are thereafter not able to do much about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I was changing insurance from XXXX to XXXX and my cost jumped {$60.00} a month because of lexisnexis claiming that I have a violation on my driving report. I addressed this with lexis nexis and send my full driving record to them kn XX/XX/XXXX and asked for my consumer report on the XXXX and I haven't receive any correspondence from them as of today. I am a XXXX XXXX and depend on my driving record for my employment.
Product: Credit card or prepaid card

We spoke to a phone representative from XXXX XXXX  which is a financial representative of XXXX XXXX on XX/XX/XXXX the bill was due on XX/XX/XXXX We asked to pay the balance in full for approximately {$100.00}. 
A week later we were assessed a service fee of approximately {$40.00} as balance was not pain the XXXX and then they charged approximately another {$40.00} service fee on the service fee.
Product: Checking or savings account

Capital One has provided little to no information or updates regarding their issue impacting deposits. My EFT paycheck is being withheld from me with assurance or ETA for resolution from Capital One.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX