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

I got a car from a dealer in XXXX and I was paying to him, then he transferred me to another Merchant which I was making my payment to, then the car engine went out in XX/XX/XXXX. Then I called the merchant up to tell them I wont be paying for the car anymore, I gave them the contact of the auto shop and number. after awhile he called me up and made me a deal to settle the car for {$2000.00}. 
I said ok, he sent me a email to have that in record, I made a payment of {$900.00} and {$400.00} to the merchant. I make him a payment of {$600.00} again then I emailed him he same day he did not respond. I waited till Thursday and called him and he said he wont do it anymore that the deal is off. 
So I said ok and I contacted my bank due to him not holding up his end of the deal. The bank did nothing did not get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is regarding account # XXXX for XXXX XXXX. 

This is a dispute letter regarding an account for XXXX XXXX XXXX. 
I originally purchased a vehicle for a 12-month lease on or about XXXX. Once the 12-month lease was up, I had the option to either turn the vehicle in and they will bill me the disposition fee or take it out of my original down payment of {$970.00}, or if I still needed the vehicle, I would have to put down another down payment for an additional 12 months. I opted to return the vehicle, which I was informed by the account rep that I had until XXXX to return the car without any additional fees being added. The account rep also informed me that if there was any damage or additional fees ( disposition fee ) that it would be taken out of my initial down payment or I would be billed for whatever amount remained. 
When I returned the vehicle on or about XXXX ( I had purchased another vehicle several days prior ) I was also informed that if there were any additional fees that did not apply towards my initial down payment that I would be billed. 

1 year later, I checked my credit report and the finance company of XXXX XXXX, has recorded a charge off amount of {$12000.00} with a 39-month term  and a monthly payment of {$310.00} on my both my Experian and XXXX  credit files, and {$6300.00} for 12 months on another with a monthly payment of {$150.00} on my XXXX credit file. 

My agreement was for 12 months with the option to lease again at the end of my 12 months and a monthly payment of {$150.00}. As of XXXX/XXXX/XXXX, this company was paid a total of {$7000.00} from XXXX to XXXX. This vehicle was returned on time with no additional monies owed. 

Furthermore, I contacted the company in XXXX XXXX to ask for my credit report to be adjusted from the amount owed/charged off amount of {$6300.00} to be corrected. The account manager then informed me that the amount that is seen is what was financed and not owed. At this point the finance company is refusing to correct their issue. After I disputed this issue in XXXX XXXX, XXXX XXXX sent me an email, with a settlement offer for {$220.00} ( for an amount I did not owe ). I asked that if I paid the amount would they removed it off of my credit report, I was told no. 

I have since called the dealership in which I leased the vehicle ( XXXX ), to request a copy of the signed leased ( I have moved since I purchased the vehicle and a lot of paperwork was lost ). I was informed by the Sales Manager that they were under new management and that they no longer have those files ( he did attempt to look for my file in their system ). I was then told to call the finance company, which I did. I asked if there was any way that I could get a copy of the signed leased and I was told no and that I basically had no rights to dispute. I was told to pay the {$220.00} and that the charged off amount would remain on my all of my credit reports for the allotted time. I have disputed this issue with the credit bureaus several times and still no resolution
Product: Credit reporting or other personal consumer reports

Re : Complaint Against Credit Bureaus for Unresolved Identity Theft Issues I am writing to formally report an unresolved issue with certain credit bureaus regarding fraudulent accounts on my credit report as a result of identity theft. Upon reviewing my credit reports, I identified two unauthorized accounts : XXXX Collection Account Account Number : XXXX Outstanding Amount : {$2300.00} XXXX XXXX Credit Card Account Account Number : XXXX Outstanding Amount : {$1100.00} In an attempt to rectify this, I initiated disputes with the credit bureaus through written communication on two separate occasions. Regrettably, despite my earnest efforts to resolve this critical matter, I have not received any acknowledgment or response to my disputes. The presence of these fraudulent accounts has not only severely impacted my credit score but has also caused significant distress in my personal life. I had taken the necessary measures in good faith, expecting the credit bureaus to address and correct these inaccuracies. It is deeply concerning that these disputes have seemingly been overlooked or ignored. I implore the Consumer Financial Protection Bureau to intervene in this matter and facilitate a just and prompt resolution. Your esteemed bureau 's assistance in ensuring the removal of these unauthorized accounts from my credit report will be invaluable in restoring both my credit standing and peace of mind. Thank you for your prompt attention to this grave concern. I am hopeful for a favorable outcome with your guidance and intervention. Warm regards, XXXX XXXX
Product: Debt collection

University XXXX XXXX reported a charge to the credit bureaus but failed to send signed contacts and documentation when i requested it. They school emailed me a statement validating that i was once a student there however they did not validate the right to report the debt and a signed contract was not sent. I have paid in full invoices from the school in my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis has a fraud alert that is causing me problems with credit, lending and identity. I have never had an issue with identity. They have yet to remove it. I've gone through Identify me to establish my proof. At this point it is overwhelming, menacing and harassment.
Product: Student loan

My student loans have been transferred from XXXX XXXX to Navient. After this change occurred, it is no longer possible to set up an automatic debit greater than the minimum required payment. This capability was available before the change. 
This clearly puts additional burden on anyone attempting to pay off their loans ahead of schedule, as manual payments would be necessary on a monthly basis to achieve the same effect. Further, it works to the benefit of Navient if their debtors have difficulty making payments greater than the minimum, as it makes it more likely they will be able to collect additional interest. 
Therefore, I am submitting the formal complaint that Navient has effectively changed the terms of my loan repayment without my consent, and unfairly increased the burden on their debtors to their financial advantage.
Product: Mortgage

They put you on hold. They don't come back to answer. Over and over again. All this info on shell point mortgage is all available thru the XXXX XXXX XXXX The company lies to credit companys. I'm 8-0 against the shellpoint on lies to the Shellpoint regarding my mortgage and credit reporting. Never missed a payment. This company tries to trap you with all kinds of fees and lies.. They have harrassed my family, and credit reporting. The government needs to hold them responsible for harrassing me and other people. I've got all the info letters of harrassment, and the lies and fees. This is out of control, so many lawsuits, just like XXXX XXXX. They paid out XXXX XXXX. XXXX XXXX is a part of shellpoint. 

thank you for your time and help.
Product: Student loan

Navient ignores my complaints about XXXX XXXX XXXX  practices and deceptive XXXX program ; request to stop calling all day from their automated voice calling systems ( even calls on Sunday and after hours ), and pressured from loan acquisition I received in beginning. I felt they misleading me by providing me with bad information, processing payments deferments incorrectly and using deception to direct borrowers away from plans offering lower monthly payments. They failed to do anything about my complaints involving incorrect processing of deferment and forbearance forms ; bad reporting to my credit records leading to me having incorrectly and/or damaged my credit of XXXX borrowers whose loans had been discharged under a government program by incorrectly reporting that their loans were in default. Navient encouraged me to take forbearance when I could have qualified for income-driven repayment plans. Causing me to exhausgh my use of forbearances.
Product: Credit reporting or other personal consumer reports

Equifax over and over violated consumer report and they identity report are exposed due to the date breach. 

I have send prof over and over and they still violated my rights as a consumer. 

They dont care at all if the account is fraud all right they just want to get pay by creditors. 

They will respond over and over we working on it to the cfpb bout is not true they just respond to make you feel they are in compliance bout they dont delete the fraud account. 

Have send documents Certified mail Fax And they due have all documents they have refused to resolve this matter and deleted fraud account.
Product: Vehicle loan or lease

Capital One I am making principal payments and my payment is always early they are not taking my payment for some odd reason I paid my payment and extra XXXX $ to the principal on XXXX XXXX they still haven't taken my payment they? I been trying to call them no one picks up? I need an answer to this issue why they are rejecting my payment the money is in my bank account ts on file. This has been an ongoing problem since I am ahead of schedule to pay this car off! Something needs to be done with them they are trying to ruin my credit which I am building up it's becoming a A+ credit issue because my scores are close to the 700 range.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.
Product: Debt collection

I was trying to work with XXXX XXXX previously to resolve the debt but due to my work schedule I had them working with my wife after giving permission multiple times and advising them to not contact me directly but her. She tried to make arrangements but the calls were not made to her as scheduled and without the proper follow ups she was unable to make arrangements that were satisfactory. This went to Glasser and Glasser and I got one letter dated XX/XX/2018 that came sometime around the first week of XXXX. I tried to call the number on different occasions and always got a voicemail or busy signal. No calls were ever returned to me. The next thing I see is a notification from the post office that another letter is on the way and when I checked court records they have filed a warrant in debt. ( I am scheduled for notification from the post office due to not getting my mail as scheduled and still do not know if this will actually show up ). I am extremely upset as I was not given proper opportunity to try to work out a settlement and get arrangements in place. I was only contacted the one time. This is not fair and absurd. It is not my fault they have the office number set up to not work or choose to not return calls. Also more than one letter should be sent.
Product: Credit reporting or other personal consumer reports

PERSONAL INFORMATION LETTER XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX TransUnion RE : Update Personal Information Dear TransUnion, I recently reviewed my credit file and found that some of my personal information is incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. 

Please delete the following inaccurate information from my credit file within the next 30 days. I understand that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I expect these inaccuracies to be automatically removed. 

Please delete the following inaccurate names : XXXX, XXXX, XXXX Please delete the following invalid telephone numbers : XXXX Please delete the following inaccurate employers : Nations Roof Please delete the following inaccurate email addresses : XXXX Please delete the following personal statement : " COPY OF ORIGINAL CONTRACTUAL AGREEMENT BEARING MY SIGNATURE. A CLAUSE IN THE ORIGINAL SIGNED CONTRACT. '' Correct Information to be updated : Name : ** XXXX XXXX XXXX Address : ** XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : ** XXXX Date of Birth : ** XXXX Employer : ** XXXX XXXX  Email Address : ** XXXX Contact Information : Phone Number : ** XXXX Email Address : ** XXXX Thank you for your attention to this matter. I look forward to your prompt response. 

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

Equifax is reporting incorrectly a current balance of {$760.00} on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} current balance. I have attached a copy of the Statement for XXXX XXXX. This incorrect reporting of a balance due on this account is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. I have contacted the bureau to fix this however, I have not been successful.
Product: Checking or savings account

i lost my debit card, when i noticed this i used the wells fargo app to lock the card until i can find it or request a new one. 

i know that their mail service is really bad, last time i had to request the card 3 times until it arrived. 

for this reason i used this option to avoid the headache of getting a new card shipped in case i find it. 

on XXXX XXXX, a fraudulent transaction posted WHILE my card was locked and also didnt had funds to cover it wells fargo posted the transaction and charged my for overdraft fee when i never enrolled in overdraft protection. 

same day the transaction posted i placed claim online. 

today i called because there were no updates and this is a sign of the case being in danger to be lost due to a stupid question missing, but the agent just placed me in a XXXX minutes hold and then become rude and said " you need to go to a branch i cant help you by the phone '' as he know i am not in the XXXX and i cant go to a branch, and he ended blocking me the online access. 

i managed to grab account info with an open session before it expires to make this claim i also noticed that this charge is for an online school in the XXXX, its ovbious that its not related to my business account and i also dont have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I enrolled at XXXX University XXXX under the presumption that I would be eligible for financial aid for the semester I was attending, however because they failed to process my financial aid in time by the time they did, they discovered that I was not eligible for financial aid however I had already enrolled in courses and the semester and had already completed work but they kept assuring me that my financial aid would be applied after I had begun the second 8-week course in the semester. Near the end of the semester they told me they were not able to apply any financial aid to my account and that I would be responsible for paying the {$6000.00} bill and they failed me so I wont even receive the credit for all of the hard work I did all those months. Since I do not have {$6000.00}, they have now reported this to collections and it is on my credit report. I attended online XX/XX/XXXX-XX/XX/XXXX.
Product: Vehicle loan or lease

I made payments on XX/XX/2019 that included : XX/XX/2019 interest adjustment {$25.00}, XX/XX/2019 unapplied adjustment {$8.00}, XX/XX/2019 payment with overage {$3600.00} However, I was never informed of these adjustments or overage charge until my account was closed for paying off my loan and looked I looked at my account charges online. When I contacted Wells Fargo they didnt do anything about it because my auto loan account was paid off so they closed it.
Product: Debt collection

Debt was placed on credit report then forced to be removed and now they are attempting to place the debt back on my credit profile. It is my belief this is being done with malice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item still appears on my Transunion credit report. The source, XXXX & XXXX XXXX ( XXXX ) have confirmed that there is no record of the request and they sent letters to all 3 major credit reporting bureaus to remove it on XX/XX/XXXX confirmed in attached letter. 

Transunion has refused to remove this credit inquiry from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX % XXXX veteran very difficult. 
My Credit security was breached. On XX/XX/XXXX XXXX reported a data breach impacting 145.5 million people. Get up-todate info on XXXX XXXX Incident site. I was notified by XXXX XXXX : " Based on findings that go back as far as XXXX, weve found your info in an additional 1 breach. '' You've been in 2 breaches We checked our database of over 13 billion breached accounts and your email address, showed up in 2 data breaches. That means some online accounts and personal info may be compromised. Data breach details View the details for each breach here, and then follow the steps below to help protect your accounts and identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( also known as XXXX XXXX, XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/XXXX, a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 submitted a dispute to Transunion and XXXX  asking for validation of unauthorized and dated inquires that are being reported on my credit report. As of XX/XX/2021 I have not received validation or removal of inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit reporting agencies and let them know the inquires in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report those inquiries. 

18 U.S. Code 1028A - Aggravated identity theft ( a ) ( 1 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Product: Debt collection

I found a debt collection amount {$720.00} on credit report which was XXXX XXXX bill in XX/XX/2017 by collection company AR RESOURCES INC. I didnt go to hospital during that time, I called them and disputed on line they were not removed it, because it is not my bill, there was somebody who stolen my personal information. ( original creditor was XXXX XXXX XXXX  )
Product: Credit card or prepaid card

PayPal is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with Paypal nor was I aware that an account was ever opened in my name. PayPal is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with Paypal.

In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account.

I can not see any type of account number listed for the tradeline on my credit report. The last four of my SSN are XXXX. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I sent a dispute to XXXX and TransUnion to remove two ( 2 ) inquiries made by XXXX XXXX DELAWARE. XXXX sent me a letter in response stating they have completed their investigation and made the decision to remove the hard inquiries from my TransUnion credit report and to allow up to 1 month for the change to reflect on the report, it's been almost 4 months and the inquiries still on the report. 

The inquiries are the followings : XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be attaching a copy of the letter sent from XXXX
Product: Checking or savings account

My employer XXXX conference called the bank of New York Mellon for my benefit wallet account. They told me to mail a new signature card. I did my account was still not open, then they said I needed to send a {$52.00} money order for the XXXX  fees. Even though someone stole my checks and used them. I sent in the money order. And they have still havent given me access to my account. My employer has made deposits and I need those funds to pay for XXXX. My health is getting worse without this needed XXXX.