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

I was told I was getting the car for XXXX or so but the paperwork that was sent to me by credit acceptance was way over XXXX or so .. and they will not work with me on my payments they will not refinance to help me get my payment monthly down.. they have called after I was late on one of my payments saying they would come repo my car... I have told them that there is over 5 recalls on this car and I have been waiting for over 4 months to get the parts so the XXXX people can fix it .. and two of the recalls are on my airbags they are nonfiction at this time and that my traction and stabilization unit is not right so therefore whenever it rains the car tends to want to slide to one side or another and it tries to pull to one side or the other .. very dangerous.. they still said they couldn't help me or let me try to get another car that does not have dangerous recalls on it..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another complaint for Experian and XXXX  about the complaint submitted on XX/XX/2020 ( XXXX and XXXX ). Experian and XXXX again say that the company reported the information is accurate, that belongs to me and also report this account as an Individual Account when is completely inaccurate. XXXX  said If I have additional questions about this item please contact XXXX XXXX XXXX  which I did so. XXXX XXXX didn't find this account under my name or social security number. After almost an hour, they found out I was an authorized user under this account. Its frustrating that Experian and XXXX  can't do a correct investigation. 

The XXXX XXXX documentation is attached that prove this fact.
Product: Credit card

your consent is required immediately We previously attempted to contact you regarding required verification. Discover Financial Services requires your consent to obtain income information from the Internal Revenue Service ( IRS ) to verify information on your account. 

If consent is not received promptly, Discover will close the account and report it as such to the credit bureaus. To discuss next steps, please contact Discover directly at XXXX, or call the phone number on the back of your card. 

Important : If you have already provided the consent requested and have not received any follow-up communication directly from Discover, there is no need for you to contact us. 

We appreciate your prompt attention and cooperation. 

Thank you, Discover Financial Services
Product: Credit card or prepaid card

Received a credit card offer during XXXX flight. It said {$0.00} intro annual fee and 60,000 frequent flyer points after using the card within the first 90 days. I applied in XX/XX/2021 and received an XXXX XXXX XXXX  ( issued via Barclays Bank ) the same month. I used the card and paid it off entirely the same month ( XX/XX/2021 ). It is now XX/XX/201 and I now see an annual fee charge of {$99.00} and still no credit of XXXX points. I have only had the card for 2 months but it says my annual fee would be XXXX for the first year. This appears to be a classic fraud and/or bait n switch tactic.
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 : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX/XXXX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  sent Autotrak several certified letters concerning the false, bogus info they are sending to the 3 credit bureaus. They 're re-aging this account to keep this negative info on my credit file longer which is hurting me mentally, physically and financially. Autotrak h as violated laws under FCRP/FDCPA. If this account is not remove ASAP I will sue them for defamation and financial injury  (   XXXX  vs.  XXXX   XXXX  ) which carries a fine of $  XXXX /per violation.   I never received any type of paperwork  from Autotrak.  I spoke to  XXXX   ( Customer Service ) ext .  XXXX  on  XXXX / XXXX /  XXXX    XXXX    XXXX   he told me the address they had on file was a  XXXX   XXXX , Georgia address and on  XXXX / XXXX /  XXXX    XXXX  I spoke to a  XXXX  ( Customer Service  ) to ld me the same the same thing. I have NEVER lived in Georgia!!! I updated my address with  XXXX .    XXXX  told me the balance was {$12000.00} and the date the contract was sign was  XXXX . After speaking with  XXXX  she told me the balance was {$5900.00} and contract was sign ed  XXXX .She al so told me my last payment was  XXXX .  Autotrak is reporting false info which against the law. This is the reason they not replying to my certified letters!!!
Product: Checking or savings account

I rolled over my IRA from Betterment account number XXXX, and I sent it to XXXX. Betterment charged me {$75.00} to do that, and they did not disclose this brand new policy of charging as of XXXX nor did they tell me about the charge when I initiated the rollover.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

My beloved parrot died in the beginning of XXXX. She was XXXX XXXX XXXX and I am heartbroken. The scam began when I had tried to purchase 2 different parrots using my Venmo credit card. The scammers preyed upon my vulnerable state and kept adding " expenses '' to ship the birds. Both purchases turned out to be scams, but I didn't realize it until it was too late. I have contacted Venmo more than once about these charges and they refuse to help. I am out about {$4000.00} and they say that they don't have to help, even though I used their credit card. It was my understanding that using credit cards are a way to safeguard purchases. 
The charges occurred XX/XX/XXXX and XX/XX/XXXX. I have sent Venmo all the information about the scams and they " apologize '' and send form letters in return. 
I have dozens of screen shots of the scammers and several of Venmo 's letters. 
Please help? I can not afford these charges for which I have nothing but heartache in return.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( XXXX XXXX ). Furthermore the late payments are inaccurate across the credit bureaus. XXXX shows one late payment and TransUnion and XXXX shows 2 late payments which shows inaccurate late payments across the bureaus.Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all inquiries are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again refetence letter XXXX XX/XX/2021 ... Once again I receive a letter concerning my identity. After hundreds of reports and tens of dozens of these letters demonstrating their ineptness they claim they need to identify me. This company is the poorest of a very poor lot. No wonder why. Missing information, incorrect information and after providing my name, address and pertinent data they still can not locate me in their file. Opinion- That's assuming they can maintain files. They claim the complaint was ineligible... really. I guess you the CFPB have an issue or they do not comprehend English. Also CFPB does not allow SS LAST 4 ( XXXX ) The following form fields are incomplete or have errors : Social security number ( Credit reporting company )
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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 XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Good morning, I called my student loan provider this morning to initiate a refund for a payment made on XX/XX/2020. From my understanding, through the CARES ACT and PRESIDENTIAL ACTION ANY payment made towards to your student loans between XX/XX/XXXX to XX/XX/2020 can be refunded. My student loan provider informed me because the payment I made made the loan paid in full, they don't have the tools to refund me the payment. I feel this is a direct violation of the Cares act and the action the president took. 

Thanks
Product: Student loan

In  XXXX     2016, the p ayment plan on a number of my private loans with Navient were updated, so I had a lower monthly payment of about {$600.00}.     Starting  XXXX   2016, we  started making additional payments towards the highest interest rate loan of 6 %, the  '  XXXX   Signature Student '.      As additional payments were made, and the balance on the highest interest rate loan went down faste r, Navient began re-dis tributing how the monthly {$600.00} was allocated across all loans by decreasing the amount paid toward the highest interest rate  (   XXXX   ), a nd increase towards all the others. They did this without our explicit permission, or without notifying us of this change.     By changing the payment terms, and applying less towards the higher interest rate loans,   Navient is in effect earning more interest on these loans than they should otherwise, had they left the   payment terms the same. Interest Rates on Lo
ans below, see the attached AllLoans.xlsx document for payment history and dates.       Interest Rate Loa n   6       XXXX   S ignature Student  4.75   XXXX  Signature Student 4.5  XXXX  Signature Studen t 4.5   XXXX  Signature Student  4.5   XXXX  Signature Student  4.5   XXXX  Signature Student  XXXX   XXXX  Signature Student 4  XXXX  Signature Student  4   XXXX  Signature Student  4   XXXX  Signature Student 3.75  XXXX  Signature Student
Product: Credit card or prepaid card

I recently charged an item for {$21.00} When the statement arrived it was paid in a timely manner. inadvertently the payment made was {$.00} short at {$21.00}. there were no additional charges were made during the next billing cycle.The next statement received showed a late fee of {$21.00} plus {$1.00} of interest plus the {$.00} short payment from the previous month for a total of {$22.00}. Ultimately a credit was issued after much debate and my request for a waiver which was granted for {$15.00} My concern is that for a balance of {$.00}, the company could charge me what amounts to in excess of 100 %. is legal? 
The company in question was XXXX XXXX  XXXX in Florida XXXX #... XXXX Is this much fee and interest legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I APPLIED FOR THIS CREDIT CARD AND HAVE NEVER USED IT. 
THE REPORTED ME LATE IN XXXX OF 2019 AND I HAVE NEVER EVER USED THE CARD THEREFORE NEVER HAD TO MAKE A PAYMENT OTHER THEN THE {$99.00} ANNUAL FEE THEY CHARGE ME WHICH I HAVE PIAD ON TIME
Product: Money transfer, virtual currency, or money service

Hello, XXXX XXXX, my PayPal can not be linked to the bank and withdraw cash, please help me, thank you
Product: Checking or savings account

On XX/XX/year>, I received a text notification regarding an unauthorized ACH debit from my company 's Navy Federal account. The transaction, totaling {$5000.00}, was debited under the name XXXX XXXX. I immediately called Navy Federals " 24-hour '' fraud line at XXXX at XXXX XXXX  but was informed via an automated message that the department would reopen at XXXX XXXX  the following day. 

On XX/XX/year>, at XXXX XXXX, I called again and reported the fraudulent activity to a fraud representative on a recorded line. The first representative I spoke with created a fraud case and explained that the fraudster had opened an account with XXXXXXXX XXXX XXXX XXXX transferred the stolen funds, and subsequently closed that account. The representative then provided me with a new account number and assured me the issue would be resolved within 10 days. She also stated that any deposits directed to my previous account would still be accepted for XXXX XXXX  to allow me time to update my account information.

However, when deposits were sent to the account, they were rejected. I contacted Navy Federal again and encountered conflicting information from representatives, who began to provide false or misleading explanatio
ns regarding what had happened to the deposits. Shortly thereafter, I received an email stating that my fraud claim had been denied, and Navy Federal alleged that I had somehow benefited from the theft.

This entire situation has significantly impacted my business due to the fraud itself, the misinformation and inconsistencies from Navy Federal representatives, and their failure to provide requested information in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit reports are showing that i have or had a mortgage account with XXXX XXXX with a balance of about {$700000.00} and it was liquidated or deed in lieu when no such debt existed with XXXX XXXX and in any event was discharged in XX/XX/2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a charge on my XXXX credit card from Transunion dating back 15 months ( XXXX XXXX XXXX ). I tried to report fraud when I noticed it and changed my credit card on Monday XX/XX/XXXX. XXXX. Then, without my authorization, my new credit card was charged the same $ XXXX on XX/XX/XXXX. XXXX asked me to resolve it with Transunion and have the monitoring service stopped and reimbursed since I did not sign up for it. I called Transunion SEVEN times on XX/XX/XXXX and was hung up on, transferred and not helped until the SEVENTH call when I was transferred and then escalated. Finally, they determined someone named XXXX had falsely signed up for this service using my information and said they would cancel and reimburse me. I was horrified by the process of just getting to someone who could help resolve this. They couldn't help me any further in the fact that clearly my identity had been compromised since someone was able to sign up as me. 

BE AWARE of any Transunion charges and the terrible process to cancel.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I checked one of my savings accounts to realize that there was an electronic transfer made to XXXX XXXX on XX/XX/2021. I filed a complaint to my bank ( Wells Fargo ) that same day stating to them very clearly that I did not authorize that transfer. They gave me a case number : XXXX. In that timeframe between me making a claim and them investigating, I received a letter from XXXX XXXX that the account that they had of 'me ' was closed. They let me know that the investigation would take at least 10 days. On XX/XX/2021 I called Wells Fargo to get an update and they stated that they were still under investigation. The next day, I received a letter from Wells Fargo indicating that the claim and the entire case were denied. They decided that I authorized that transaction myself. On XX/XX/2021 I visited a Wells Fargo branch in XXXX XXXX FL to what they told me was that they could not do anything and redirect me to XXXX XXXX to " hopefully receive my funds that were rightfully mine ''. I then showed up at XXXX XXXX that same day with my proper identification with the letter of 'my account closing ' and talked to a customer service associate. He told me since my account with them closed that my funds were transferred back to my account with Wells Fargo. I showed him the evidence that I had not received any transfer by showing my bank statements on my phone. He then concluded that he would contact the I.T Fraud Team to resolve and return my funds. As of today, I still don't have my funds returned. I have contacted Wells Fargo for the third time now to raise my claim as well as ask them for the IP Address and the device I supposedly transferred the funds on. They replied that they would contact me back in 48 hours which has not happened yet.
Product: Credit card or prepaid card

I accepted an 18 month 0 interest balance transfer promotion from Wells Fargo on my credit card in XXXX, XXXX. 

I called to confirm that I could still use my credit card to my regular purchases and that any payments that I would make would go towards the purchases not the balance transfer amount. They assured me that yes. And they said " The payments will always go towards the highest interest balance '' When I called the last month to make a full payment on the purchases ( and the minimum on the balance transfer ) I was told that they had - for the past several months - applied my payments 50 % to balance transfer 50 % to purchases. They explained that they had a 0 % on purchases promotion on my card ( which was unbeknownst to me, and they never told me when I called previously ). 

They then explained that the 0 % on purchases was a 6 month promotion that would expire in XXXX and I would owe the full amount of purchases then or be charged interest. 

I asked them to go back and apply all of my previous payments towards my purchases, since my balance transfer goes until XXXX XXXX and they said they ca n't. 

I believe this is an issue of structuring to harm the consumer. 

I accepted / opted in an 18 month promotion, but they gave me a 0 % on purchases that I never opted in ( apparently via mail and I had to specifically opt out ). This promotion of 0 % for 6 months in effect makes it so I ca n't actually take advantage of the 18 month 0 %. Because payment allocation goes automatically 50 % and 50 % so I end up with a balance within the 7th month. 

I request that they retroactively apply my payments to my purchases balance vs. my balance transfer.
Product: Debt collection

Ic systems is trying to collect a debt that I do technically owe XXXX for around {$1100.00}. They have put 15 deragatory marks on my credit for the same debt and now my credit score is XXXX I didn't even know it could be that low .... I'm not sure what I should do about this. They have also never tried to connect me that I know of. Seems like their intention was to destroy my credit not collect a debt.