23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX, I was scammed into purchasing ( 6 ) {$1000.00}. gift cards at XXXX 's using my Chase Visa Credit Card. When I realized that I had been scammed that night, I contacted Chase and told them that the charges were fraudulent. They said that I would have to wait until the charges were posted, and then I could dispute the charges. 

I waited 3 days until the charges were posted, and then phoned to file a dispute. I was informed that I could not file a dispute. I was sent to the Fraud department, and they investigated the charge and deemed that it was not fraudulent and that I was responsible for payment of the {$6000.00}. 

Further, I asked for some help in letting me pay of the charge interest free. They refused to provide me with any help.
Product: Vehicle loan or lease

I am resubmitting this complaint we going well over XXXX year that I got into this accident. The company has yet to provide me with a proper balance they received payment but have not applied the payment, I also had XXXX insurance and no one can explain why it was not applied I still have a charge off and No resolution. 

In XX/XX/XXXX I entered into a auto finance agreement with Bridgecrest XXXX Acceptance Corp, the financed amount included additional XXXX insurance coverage. In XX/XX/XXXX I was in a car accident, at no fault of my own. I filed a claim with XXXX after some time my car was deemed a total loss. I signed the required releases and the XXXX adjuster proceeded to notify Bridgecrest. On XX/XX/XXXX Bridgecrest emailed a total loss notification to me. In the email I was asked provide a Vehicle evaluation and Settlement breakdown. The email also instructed me to include my account number and VIN on each page. The methods I was given to return the documentation was email or fax. On XX/XX/XXXX I sent an email to XXXX with the required information that was requested. I did not receive any correspondence from Bridgecrest or XXXX, XXXX, who apparently is involved with my XXXX insurance. Because I signed all releases for XXXX  to issue payment to Bridgecrest and Bridgecrest nor XXXX, XXXX contacted me further I assumed that the car issue was resolved. On XX/XX/XXXX I reviewed my credit report in anticipation of purchasing another vehicle. I found that my account with Bridgecrest showed charged off with all XXXX credit bureaus. I called Bridgecrest and was transferred to what I think was collection or charge off department. I was told my account had been charged off and no payment had been made, when I inquired about the insurance payment and XXXX insurance payout, I was told that because no payment had been received that XXXX had not paid out, I asked why insurance had not paid I was told the payoff offer was less than the amount owed on the loan. I thought the entire purpose of XXXX  insurance was to cover the XXXX between the amount insurance paid and the amount owed. I was told that I needed to talk to the total loss department, but I could not talk to them as a customer only insurance adjusters could contact them. On XX/XX/XXXX I called the XXXX  and she explained that they are waiting on Bridgecrest to return the letter of guarantee. She said as soon as that letter is returned she can issue payment immediately, but shes been trying to contact Bridgecrest and know one from Bridgecrest or XXXX had returned her calls or emails and she has been trying to get this letter to be returned so she can issue payment and resolve my claim. They gave her a contact person by the name of XXXX as of today XX/XX/XXXX XXXX has not responded either. I dont believe this will ever be resolved
Product: Debt collection

Company : Army & Air Force Exchange Service, Collections Department. 
XXXX XXXX  XXXX XXXX TX XXXX Since 2020, the Army & Air Force Exchange Collections Department has been intercepting via my Social Security payment {$180.00} each month to repay a credit card debt. The problem however is that they are only crediting my account {$170.00} each month in the reduction of the debt. They claim that the {$14.00} diffence is for fee 's that they are entitled to however on their statement that they issue, they only report that they've received {$170.00} ( total ) in monies received from the Treasury department and on their statement they do not report ANY fee 's being charged. 

They do not report the {$180.00} that they receive that the U.S. Department of Treasury reports they send each month. I have contacted them and they have not offered ANY explaination other than they are allowed to charge fee 's but when I question why isn't there any fee 's listed on their statement they send out to me and why do they report that they've only received {$170.00} instead of what the Treasury department reports that they send to them each month which is {$180.00} they hang up in my face. 

I suspect they are skimming a small amount of money each month and committing fraud by not reporting accurate amounts of money received nor are they listing fee 's that they claim they are charging on their financial statement ( as a matter of fact ), they list {$0.00} in fee 's collected on their financial statement they send out to debtors. 

In addition, they purposely do not report monies received to the all 3 credit bureaus XXXX, XXXX  and XXXX  but indicate it in the comment field that a payment was received so the credit agencies do not reflect actual payment received which directly impacts one 's credit score. They are required to enter payments received in on the credit bureaus " payment 's received '' section, but only do so in the " comments '' section which they know will detract from your credit score. It's their way of intentionally manipulating the situation in a deceitful manner so your credit score will not reflect payment so your score receives no benefit or reflection of payments being made to satisfy the debt. ( which impacts your credit score ) I would like this to be investigated because I don't think that's legal. The Army & Air Force Exchange Collections Department I believe has been sub-contracted out to another company who is not ethical nor professional in the collection of debt.
Product: Debt collection

Transunion & XXXX XXXX is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that XXXX XXXX is reporting a collection on my credit from XXXX. According to the Fair Credit Reporting Act ( hereafter referred to as FCRA ) Section 609 ( a ) ( 1 ) ( A ), You are required by federal law to verify through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed I am absolutely certain that the item is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

They claimed they investigated the claim filed about my dispute when in fact they did not. I had to contact the companies myself to have some fraudulent information which are falsely placed on my credit report. Even after contacting them with verification from the agency and proof that the information needed to be deleted, they refused to delete it. I tried contacting their special handling department to explain the situation. The representative on the phone was rude and when I requested to speak with his supervisor, he hung up on me.
Product: Debt collection

I was paying off a utility/Electric Co, XXXX  on a monthly basis. The balance was {$85.00}. It was reported and turned over to XXXX XXXX XXXX in the amount of {$120.00}. Then to another Collection Co also. I called XXXX and the tild me not to pay them, but to pay XXXX. I did. I paid XXXX {$110.00}. It took me 2 mo 's and 5 calls to get a paid receipt from XXXX. The paid receipt shows account paid at {$110.00} to XXXX only. Not XXXX XXXX  also. My account was to XXXX only. Now XXXX or XXXX won't confirm the payment to XXXX or XXXX. The account has beed paid in Full. I have a Receipt. This must be removed from my Credit report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021, I mailed in a certified letter requesting results on auto loan in the amount of XXXX from XXXX. LLC.. Account # XXXX that Equifax claimed to have verified. it has been 60 days and I have not yet received a response letter. According to the credit law spelled out ninth Fair Credit Reporting Act, a credit reporting agency is required to respond to the consumer within 30 days. If they do not respond, within this timeframe, they must remove the negative listing disputed.
Product: Debt collection

As so XX/XX/2022 I get an email and phone call out of nowhere from a company called FirstMark services saying I owe a debt yet they don't know where it came from but they were quickly trying to put me on a payment plan. I was too busy at the time to really look into it but over time the calls increased and they kept trying to pressure me into making payments and threaten to damage my credit report. So when I asked for proof of agreement they weren't able to provide that information. So when asked about where they got my information from they just kept saying another company which isn't helpful. I've disputed this information multiple times but they kept bringing up an balance that I was not aware of and doesn't provide you many options to dispute the debt so its either pay it or have bad credit. I would like to get this information removed from my credit report as it has to be identity thieft.
Product: Debt collection

DEPT OF ED/NAVIENT continues to report to credit bureaux a 90 days past due payment for XX/XX/XXXX. I was in active Chapter XXXX bankruptcy from XX/XX/XXXX to XX/XX/XXXX, and in active forbearance on my student loans. No payments were required during that time, so no payments could be deemed " late. '' I was making payments when possible to reduce balance during that time and post bankruptcy discharge, all payments were made on time, in full, and ultimately completely paid off.
Product: Credit reporting or other personal consumer reports

I called the experian credit reporting agency to resolve an issue I'm having with my account. Their automated system kept cycling me throught the system instead of connecting me to a specialist, as I requested. This has caused a significant amount of time to be wasted, as well as the account resolution still being an issue. Now people may have access to my credit report because their system would not allow me to change my contact number!!!
Product: Credit card or prepaid card

On XX/XX/23 I purchased 4 XXXX concert tickets my credit card by Navy Federal ending in XXXX. A few days later on XX/XX/23 I believe another charge for tickets for the XXXX concert shows up again on my card ending in XXXX
Product: Credit card or prepaid card

We have had a Fidelity Visa Signature Card for several years. The card is now serviced by XXXX. We received a credit card bill stating the Payment Due Date is Sunday, XX/XX/21. We made an online payment on Saturday, XX/XX/21. On Monday, XX/XX/21, the site said we hadnt paid the bill. We will get a late notice. We called to complain. The customer service person said they dont apply payments over the weekend and it would probably be credited on Tuesday, XX/XX/21 and we will probably get a late charge. Imagine requiring payment by Sunday but not recording payments made the date before! This is a scam to increase late payment penalties. This wont happen to us again because we cut up our credit cards and sent them back to Fidelity. Perhaps Fidelity will notice when I move accounts worth 7 figures to XXXX XXXX ... Then again, probably not.
Product: Credit card

Received a call multiple times today of a number XXXX as IMPERSONATING AND SAYING IDENTITY WAS STOLEN pretending to be capital one it actually showed up in my phone as capital one which I have an account through and use them for banking and they called to say I was a victim of identity theft, and they gave me the last XXXX social XXXX which is actually my fathers, and said that somebody opened up an account and applied for a credit card and loan in Texas, which I did not do, they are pretending to be capital one and Somehow getting information and calling pretending to be my bank and theyre not and now I am scared my identity is stolen with my dads
Product: Credit reporting or other personal consumer reports

TRANSUNION REINVESTIGATION REQUEST NOTICE XX/XX/2024 I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION is currently reporting negative information as a violation to federal laws. 
ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 
15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. 
AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. 
THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. 
HOW WAS THE INVESTIGATION CONDUCTED? 
PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. 

I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Product: Mortgage

I called my mortgage company on XX/XX/2021 and spoke with a agent and she said the mortgage company is not insured by FDI and there for they cant help us and pressuring me to somehow pay late late balance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Has Fail To Remove An Fraudulently Reporting Account ( XXXX XXXX XXXX 
FTC Report Was Provided, XXXX Stated Report + Police Report Was Misrepresented. 
Contact Creditor To Advise Of Fraud Account And They Stated To Contact Credit Bureau. 

XXXX, Has Also Fail To Update Report For Fraudulently Reporting Account ( XXXX XXXX  ) As Of XXXX But Fraud Team Stated Request Was Update For Removal Last XX/XX/2022. 

XXXX, Transunion, XXXX Has ALL Fail To Report Accuracies Of XXXX XXXX XXXX. 
XXXX, Transunion Reporting 30 Day Marking XXXX XXXX  - Payment Status Shows Payment Made Deferment/Extension Was Granted On Account Prior ; Supposedly 2 Extension That Cover Prior Month, So Payment Was Applied In Due Time. After Dispute + Documentation Was Provided. 

XXXX, Has Fail To Update Creditor ( XXXX XXXX  ) Account Reporting After Dispute XXXX XXXX, Deleted XX/XX/2022, Added XX/XX/2022. XXXX Pmt Is NOT Due To Report Past Due Yet. Possible System Auto Error.
Product: Credit reporting or other personal consumer reports

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX  XXXX  XXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$17000.00}
Product: Student loan

In XX/XX/XXXX, my husband and I filed for Chapter XXXX bankruptcy. We were discharged from the plan in XX/XX/XXXX. At that time, the trustee sent us a refund for over payment. Included in that refund was all money paid to Sallie Mae ( now Navient ) about {$6700.00}. In XX/XX/XXXX, I received notification that I needed to start making payments to Navient for the student loan. I have continued to pay on the loan since XX/XX/XXXX. 

I don't understand why Sallie Mae refunded the {$6700.00} when the loan had been paid off through the bankruptcy. I believe that since we had paid off the loan in the bankruptcy, I should not have to repay the money again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a  reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Consumer Loan

FORD MOTOR CREDIT ( FMC ) was requested to provide proof of false information being reported on credit files .... I sent a letter regarding Authentic Statement of Account UCC Article 9 9-210. Below is a request that FMC has failed to comply with : I hereby certify and confirm this to be a true and correct statement of ac-counting as received by your office XX/XX/XXXX. 
Pay Date Payment Principal BalanceXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off XXXX XXXX XXXX Payoff Offer received with discount andAdjustment mad to affect amount due for settlement XXXX XXXX XXXX N/A XXXX Final Balance XXXX within XXXX days approve or correct this statement. Any corrections here-to must be submitted in writing, under oath and under the penalty of perjury, and full commercial liability ( where otherwise not prohibited by law ). FMC was also served with an Affidavit of nonresponse. This is an action for damages brought from violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.
Product: Bank account or service

In XXXX 2015 I visited my local Citibank branch and was told about their great bank account the citi gold account. While I had no need for this bank account since I already had XXXX, I was told about all the benefits of the account and a XXXX point sign up bonus as well which I was to receive 3 months later. This sounded great and I signed up for the account. Now 5 months later when I requested my points they said there was no such offer for me which is directly contradicting what I was told at the branch. I am outraged how a big bank like this can make such empty promises and expect to get away with it. I hope they give me the promised points.